Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1994 SS # : XXXXXXXX  To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute and seek immediate resolution for the inaccurate and damaging information on my credit report. I have discovered numerous discrepancies in the reporting of my credit history by certain creditors, which are adversely affecting my financial well-being and overall quality of life. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene to enforce the relevant legal provisions and ensure the swift rectification of these violations. 

XXXX XXXX  - Account Number : XXXX - Violation : Inaccurate Reporting of Late Payment - Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Section 611 - Procedure in Case of Disputed Accuracy XXXX. XXXX  - Account Number : XXXX - Violation : Inaccurate Reporting of Late Payment - Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Section 611 - Procedure in Case of Disputed Accuracy XXXX. XXXX XXXX - Account Number : XXXX - Violation : Questionable Account Information - Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 605 - Requirements relating to information contained in consumer reports- Section 611 - Procedure in Case of Disputed Accuracy XXXX. XXXX XXXX - Account Number : XXXX - Violation : Questionable Account Information - Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 605 - Requirements relating to information contained in consumer reports- Section 611 - Procedure in Case of Disputed Accuracy 5. XXXX  - Account Number : 358 - Violation : Questionable Account Information - Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 605 - Requirements relating to information contained in consumer reports- Section 611 - Procedure in Case of Disputed Accuracy These violations not only breach the Fair Credit Reporting Act ( FCRA ) but have also had a profound impact on my life. The inaccuracies on my credit report have severely hindered my ability to secure loans, obtain favorable interest rates, and even find suitable housing. The emotional toll of these discrepancies can not be understated. It feels as though my financial integrity and personal credibility have been unjustly tarnished, casting a cloud of uncertainty over my future prospects. 

Allow me to share a deeply personal story to illustrate the significant impact these inaccuracies have had on my life. I have dreamt of purchasing a home for my family, providing them with stability and a place to call their own. However, due to the misrepresented credit information, my mortgage application was denied, and this dream remains indefinitely deferred. The emotional strain of witnessing my family 's disappointment and frustration is immeasurable. These inaccuracies have undermined my ability to provide for my loved ones, and it feels unjust that my aspirations are hindered by errors beyond my control. 

In light of the violations and the profound emotional distress caused, I kindly request the following actions : 1. Conduct a thorough investigation into the inaccuracies in my credit report as reported by the aforementioned creditors.

2. Enforce the relevant sections of the Fair Credit Reporting Act to ensure swift and appropriate corrective actions.

3. Promptly contact the creditors involved and request the removal of unverified and disputed accounts from my credit report.

4. Provide written confirmation once the necessary corrections have been made.

I believe in the mission of the Consumer Financial Protection Bureau to safeguard consumers ' financial interests. Your intervention is crucial to rectify these injustices and restore my financial standing. I sincerely hope that you understand the urgency of my situation and take decisive steps to ensure a just resolution. 

I look forward to your prompt attention to this matter and anticipate your assistance in alleviating the hardships caused by these violations. Thank you for your understanding and commitment to protecting consumers like me. 

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