Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute the accuracy of certain information on my credit report and to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ). The inaccuracies in question pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : Failure to correct inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Failure to correct inaccurate information. 
These inaccuracies have had a profound and detrimental impact on my life, affecting not only my financial well-being but also my emotional and mental health. To illustrate the gravity of this situation, I would like to share a personal story of how these inaccuracies have significantly impacted my life : For years, I have been diligently working to build a stable financial future for myself and my family. I have sacrificed countless hours and made many personal sacrifices to ensure that my credit history remains clean and my financial obligations are met. This commitment has allowed me to secure housing, obtain reliable transportation, and pursue educational opportunities for my children. 

However, the inaccuracies on my credit report have shattered the sense of security I once had. Despite my unwavering dedication to financial responsibility, my credit score has suffered due to these erroneous accounts. This has not only made it increasingly challenging to secure affordable loans and credit lines but has also impacted my ability to provide for my family. 

The stress and XXXX stemming from this situation have been overwhelming. The constant fear of financial instability has taken a toll on my mental and emotional well-being. Sleepless nights and relentless worry about my financial future have become a daily struggle. 

I firmly believe that these inaccuracies have violated my legal rights under the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates the correction of inaccurate information. I have taken every possible step to dispute and correct this information with the credit reporting agencies, but to no avail. I implore the Consumer Financial Protection Bureau to intervene on my behalf and enforce my legal rights under the law. 

In accordance with the FCRA, I request that you investigate these accounts, as they have not been properly verified, and take appropriate action to ensure their accuracy. Specifically, I am asking that you compel the creditor to remove these unverified accounts from my credit report promptly. 

I am hopeful that your intervention will bring an end to this ordeal and allow me to regain the financial stability I have worked so hard to achieve. I appreciate your attention to this matter and your commitment to upholding consumer protection laws. 

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