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: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance and intervention in resolving a matter of utmost importance to me the accuracy and integrity of my credit report. The purpose of this communication is to address a series of violations I believe have occurred under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) by multiple creditors, as detailed below : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA Section 611, I dispute the presence of this unauthorized inquiry on my credit report. I have no recollection of authorizing this inquiry, and it may be potentially fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I dispute this inquiry as well, invoking FCRA Section 611. I have never had any business relationship with this company, and there is no valid reason for this inquiry to appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is disputed in accordance with FCRA Section 611. I have no history of engaging in any business dealings with this company, and the presence of this inquiry on my report is unwarranted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Under FCRA Section 611, I dispute this inquiry, and I also request a thorough verification of the payment status, balance, comments, payment history, and account number, as these details may be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) : I dispute this inquiry pursuant to FCRA Section 611. I have never had any business relationship with XXXX XXXX, and I request its removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this inquiry as well, in adherence to FCRA Section 611. No valid authorization exists for this inquiry, and it should be removed from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Similarly, this inquiry is disputed under FCRA Section 611. There is no basis for its presence on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In accordance with FCRA Section 611, I dispute this inquiry and also request a thorough verification of the payment status, balance, comments, payment history, and account number for accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Pursuant to FCRA Section 611, I dispute this inquiry. I have no business relationship with this company, and it should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is disputed under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In adherence to FCRA Section 611, I dispute this inquiry. There is no legitimate reason for it to be present on my credit report, and I request its removal. 

Inaccurate Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Pursuant to FCRA Section 611, I dispute the presence of this account on my credit report. I have never had any business relationship with this company, and there is no valid reason for this account to belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is disputed in accordance with FCRA Section 611. I have no history of engaging in any business dealings with this company, and it should not be associated with my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I dispute this account pursuant to FCRA Section 611. I have never had any business relationship with XXXXXXXX XXXX and it should not be listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In accordance with FCRA Section 611, I dispute this account. I have no valid association with this company, and it should not be reflected in my credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I dispute this account under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA Section 611, I dispute this account. I have no business relationship with this company, and it should be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is disputed under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In adherence to FCRA Section 611, I dispute this account. There is no legitimate reason for it to be present on my credit report, and I request its removal. 

These violations have had a profound impact on my life, both financially and emotionally. Allow me to share a personal story that vividly illustrates the emotional turmoil and distress I have endured due to these inaccuracies : In XXXX, I embarked on the journey of purchasing my first home. It was a momentous occasion, one that I had spent years meticulously planning for and eagerly anticipating. With dreams of a secure and stable future for my family, I eagerly sought mortgage approval from my lender, only to be met with the devastating news that my credit score was significantly lower than expected. This inexplicable drop in my credit score was the result of these erroneous inquiries and accounts. 

The consequences were heart-wrenching. My mortgage application was rejected, and I was forced to delay my dream of homeownership indefinitely. The emotional toll was immense. I had promised my family a place to call home, and I felt as though I had failed them. The disappointment in my loved ones ' eyes was a weight I could hardly bear. 

Beyond the lost homeownership opportunity, these inaccuracies have hindered my ability to secure favorable interest rates on loans, obtain credit for necessary household expenses, and even pursue new job opportunities, as employers often scrutinize credit reports during the hiring process. 

I have made every effort to rectify these issues directly with the respective creditors and credit reporting agencies, but my attempts have yielded limited results. Therefore, I respectfully request that the Consumer Financial Protection Bureau intervene to enforce my legal rights under the FCRA and FACTA. 

Specifically, I kindly ask that you investigate and ensure that the mentioned creditors promptly remove these unverified accounts from my credit report, in accordance with the FCRA ( Section 611 ), and that any unauthorized inquiries be appropriately addressed. 

I am grateful for your attention to this matter and for your commitment to protecting consumers ' rights. Your intervention would not only rectify a grave injustice but also help me regain the financial stability and peace of mind that I have tirelessly pursued. 

Thank you for your prompt attention to this request. I eagerly await your response and resolution of this matter. 

Sincerely, XXXX 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