Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1994 SS # : XXXX To Whom It May Concern, I am writing to submit a formal dispute regarding the inaccurate and unauthorized information present on my credit report. I have reviewed my credit report from [ Credit Reporting Agency ], dated [ Date ], and have identified several violations that require your immediate attention and enforcement of legal rights. These violations have not only adversely impacted my financial well-being but have also caused emotional distress and undue hardship. 

1. Unauthorized Credit Inquiry ( Violation ) : I have noticed an unauthorized credit inquiry marked as " XXXX '' on [ Date ]. I want to emphatically state that I never provided consent for this credit pull. This inquiry was conducted without my knowledge or authorization, violating my rights under relevant consumer protection laws and fair credit reporting regulations. 

This incident has left me deeply concerned about my personal information 's security and my ability to control who accesses my credit information. As a result, I have experienced significant stress and anxiety, worrying about the potential misuse of my data and the implications for my financial stability. 

2. Inaccurate Credit Reporting ( Violation ) : Two accounts, identified as " XXXX XXXX '' with the account numbers " XXXX '' and " XXXX, '' have been inaccurately reported as being paid late. To the best of my knowledge, these accounts have never been paid late, and the erroneous reporting is unjustly tarnishing my credit history. 

This misinformation has had a profound impact on my life. Due to these inaccuracies, I have been denied credit opportunities that I rightfully deserve. I recently applied for a mortgage to secure a home for my family, and the inaccurate credit reporting led to unfavorable terms and higher interest rates, costing me thousands of dollars over the life of the loan. 

Personal Story : Allow me to share a personal story to illustrate the emotional toll these violations have taken on my life. Last year, I embarked on the journey of purchasing our first family home. As my spouse and I excitedly envisioned our future in this house, we were devastated when our mortgage application was rejected due to the inaccuracies on my credit report. 

The dream of providing a stable and comfortable home for my family was shattered, and we were left feeling helpless and disillusioned. We were forced to delay our plans and continue living in a cramped rental, unable to give our children the secure and nurturing environment they deserve. This experience has caused endless sleepless nights, strained family relationships, and an overwhelming sense of frustration. 

Request for Resolution : I implore the Consumer Financial Protection Bureau to take immediate action to enforce my legal rights. I respectfully request the following : Investigate and rectify the unauthorized credit inquiry marked as " XXXX '' on [ Date ]. 
Ensure the accurate reporting of the accounts " XXXX XXXX '' with the account numbers " XXXX '' and " XXXX. '' Compel the creditor to remove the unverified and inaccurate information from my credit report, restoring my financial reputation and future opportunities. 
In conclusion, the violations outlined above have not only affected my financial standing but have also taken a heavy emotional toll on me and my family. I trust that the Consumer Financial Protection Bureau will diligently investigate and address these issues, ensuring justice is served and my rights are protected. 

Thank you for your attention to this matter. I am hopeful for a swift resolution that will alleviate the burdens I have endured due to these violations. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief