Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a grave matter of multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) perpetrated by several creditors, and to request your intervention in ensuring legal compliance and restoring justice in this deeply distressing situation. 

The violations I have experienced are as follows : Unauthorized Inquiries ( FCRA Section 604 ( a ) ( XXXX ) ( B ) ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries have led to considerable distress and hardship in my life. As a single parent supporting two children, I have worked tirelessly to maintain my financial stability and provide for my family 's needs. These unjustified inquiries have resulted in unwarranted decreases in my credit score, causing me significant setbacks in obtaining affordable loans and suitable housing.

One instance that deeply impacted me involved my pursuit of a mortgage to secure a stable home environment for my children. I had diligently researched and prepared for this significant step, only to face a series of obstacles due to these unwarranted inquiries. The emotional toll of explaining the situation to my children, who had been looking forward to having a place they could call home, has been immeasurable.

It is not just the financial implications but the emotional toll that has left me shaken. These violations have caused anxiety, sleepless nights, and constant worry about my family 's future. The dreams and aspirations I held for my children have been compromised due to the carelessness and indifference displayed by these creditors.

In light of these violations and their far-reaching consequences, I kindly request your immediate intervention to enforce the applicable laws and regulations. I implore you to hold these creditors accountable for their actions, as they have shown a blatant disregard for the rights and well-being of consumers.

Furthermore, I urge you to ensure the complete and accurate verification of the accounts listed on my credit report. I request that the unverified and unjustly reported accounts be promptly removed from my credit history to rectify the injustices that have been perpetrated against me.

Thank you for your attention to this matter. Your intervention would not only rectify my current circumstances but also serve as a beacon of hope for countless other individuals who may be enduring similar hardships due to unscrupulous practices by creditors. 

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 explanation