Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 [ Your Name ] [ Your Address ] [ City, State , ZIP Code ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State , ZIP Code ] Subject : Dispute and Request for Enforcement of Legal Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute several entries on my credit report that have been adversely affecting my financial well-being and overall quality of life. I am seeking your assistance in addressing these violations of the Fair Credit Reporting Act ( FCRA ) and ensuring that my rights as a consumer are upheld. 

**Violations and Account Details : ** 1. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.

Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 2. XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violation : Failure to

Provide Accurate and Verifiable Information under FCRA. Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 3. XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.

Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 4. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.

Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 5. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.

Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 6. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.

Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 7. XXXX XXXX XXXX Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA. 
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 8. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA. 
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 9. XXXX XXXXXXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA. 
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 10. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violation : Failure to Provide Accurate and Verifiable Information under FCRA. 
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) XXXX XXXX : ** These erroneous and unverified entries have had a profound impact on my life, causing immense stress, XXXX, and disruption. In addition to being financially damaging, these entries have taken an emotional toll on me. For instance, I recently applied for a mortgage to purchase a home for my family. Despite my diligent efforts to maintain a strong credit history, these unverified accounts have unfairly lowered my credit score, resulting in unfavorable loan terms and, in some instances, outright denials. 

The stress and heartache that stem from these inaccurate entries can not be overstated. I have worked tirelessly to secure a stable future for my family, and it is disheartening to see my efforts impeded by information that has not been properly verified. 

**Request for Relief : ** In light of the violations outlined above, I implore the Consumer Financial Protection Bureau to enforce the legal provisions of the Fair Credit Reporting Act. Specifically, I request that you intervene and ensure that the creditors in question promptly and thoroughly investigate the validity of these accounts. I further request that, if these accounts can not be accurately verified, they be removed from my credit report in accordance with FCRA Section 623 ( a ) ( 8 ).

My goal is not only to rectify my personal situation but also to highlight the importance of safeguarding the rights of all consumers. Unverified and inaccurate credit reporting can devastate lives and hinder opportunities for individuals and families seeking financial stability and growth. 

I kindly ask for your urgent attention to this matter and for your assistance in rectifying the violations that have occurred. Your intervention will not only provide me with the relief I desperately need but also set a precedent for responsible credit reporting practices that protect the rights and well-being of consumers. 

Thank you for your time and consideration. I look forward to a resolution that brings about positive change and ensures the fair and accurate representation of my credit history. 

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