Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) regarding certain items on my credit report. These items, which I believe are in violation of the FCRA, have had a profound and detrimental impact on my life. I am sharing my personal story to illustrate the emotional toll these inaccuracies have taken on me. 

As a responsible consumer, I have always strived to manage my finances diligently and maintain a good credit history. However, despite my best efforts, I have encountered a series of unjust and unverified credit inquiries that have disrupted my life. 

Here is a detailed list of the accounts, account numbers, and the specific violations of the FCRA : XXXX XXXX  | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX  | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX  | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX  XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXX  XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) XXXXXXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized credit inquiry without consent ( FCRA Section 604 ) In addition to these unauthorized credit inquiries, I have identified inaccurate personal information on my credit report. The addresses listed at " XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX '' and " XXXX XXXX XXXX, XXXX, CA XXXX '' are not my addresses, and their inclusion in my credit report is unjust and unwarranted. 

I kindly request that you take immediate action to enforce my legal rights under the FCRA. Specifically, I ask that you investigate and ensure that these unverified accounts and unauthorized credit inquiries are removed from my credit report, as they are in clear violation of the FCRA 's provisions. 

These inaccuracies have caused me undue hardship, stress, and financial setbacks. They have hampered my ability to secure loans, housing, and even employment opportunities. The emotional toll of constantly battling these unjust items on my credit report can not be overstated. 

I am hopeful that with your intervention, I can regain control over my financial well-being and peace of mind. Your assistance in ensuring that these violations of my rights are corrected would mean a great deal to me and countless other consumers who may find themselves in similar situations. 

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

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