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

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX  Dear Consumer Financial Protection Bureau, I am writing to urgently seek your assistance in addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) by various creditors. These violations have had a profound and detrimental impact on my financial well-being and overall quality of life. The inaccuracies in my credit report, as well as the failure to investigate and remove unverified accounts, have created insurmountable challenges that I am struggling to overcome. 

Below is a detailed account of the violations I have encountered : XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
Explanation : This account has never been paid late, and the reporting of inaccurate information is severely damaging my credit. Immediate correction is crucial. 
XXXX | XX/XX/XXXX Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized inquiry reported ( FCRA Section 604 ). 
Explanation : I did not authorize this inquiry, and I suspect it may be fraudulent. I request its immediate removal from my credit report to prevent further harm. 
XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
Explanation : This account has never been paid late, yet the inaccurate reporting is detrimentally impacting my credit profile. 
XXXX XXXX XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
Explanation : The reporting inaccuracies surrounding this account are unfairly tarnishing my credit history and financial reputation. 
XXXX XXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ).

Explanation : My diligent payments for this account have not been accurately reflected, causing unnecessary harm to my credit score. 
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 investigate and remove unverified account ( FCRA Section 611 ). 
Explanation : This unrecognized account is negatively impacting my credit report, and I request its immediate removal after thorough investigation. 
XXXX XXXXXXXX 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 investigate and remove unverified account ( FCRA Section 611 ).

Explanation : I have no knowledge of this account and believe it may not belong to me. I request its removal upon verification. 
XXXXXXXX XXXX XXXXXXXX ( Account number : XXXX ) Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of credit information ( FCRA Section 623 ). 
Explanation : This account has always been paid on time. The inaccuracies are causing severe damage to my credit score and financial prospects. 
These violations have caused immense emotional distress and financial hardship. I vividly recall the heartbreak of being denied a mortgage due to inaccuracies in my credit report, despite my responsible financial management. The weight of explaining these inaccuracies to potential employers, landlords, and lenders has taken a toll on my self-esteem and overall well-being. 

I implore you to enforce the legal protections granted by the FCRA and ensure that these creditors accurately update my credit information and conduct thorough investigations as required by the law. I am formally requesting that the unverified accounts mentioned above be promptly removed from my credit report, granting me the chance to rebuild my financial standing and reclaim my peace of mind. 

Your intervention is vital in addressing these violations and allowing me to regain control over my financial future. Thank you for your attention to this critical matter. 

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