Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information and Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report, as well as to address several inquiries that were made without my authorization. I have recently obtained a copy of my credit report, and upon careful review, I have identified several inaccuracies that require immediate attention. 

The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Previous Address : XXXX M XXXX XXXX, XXXX, CA XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Current Address : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NV XXXX In light of the above inaccuracies, I kindly request that you take immediate action to rectify the information and update my credit report accordingly. I have attached supporting documents, such as copies of my driver 's license and utility bills, to verify the correct information. Please ensure that my personal details are accurately reflected in my credit report to avoid any further complications or confusion. 

Furthermore, I would like to address the following unauthorized inquiries that appeared on my credit report : Unauthorized Inquiry : Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX I did not provide any consent or authorization for these inquiries to be made, and I request that they be promptly removed from my credit report. Unauthorized inquiries can negatively impact my creditworthiness and should not be reflected in my credit history. 

I kindly ask that you investigate these matters thoroughly and take appropriate action to rectify the inaccuracies and remove the unauthorized inquiries from my credit report within the legally mandated timeframe. I also request that you provide me with a written confirmation of the corrections made. 

Please consider this letter as a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ). As per my rights under the FCRA, I also request that you provide me with a free copy of my updated credit report after the necessary corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the urgency and accuracy it deserves. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact information. 

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