Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681e, 1681i, 1681k and sections 15 U.S.C. 1692e, 1692f. The violations involve inaccurate reporting of accounts on my credit report and unauthorized credit inquiries, which have had a detrimental impact on my financial well-being and emotional state. 

Below are the details of the violations, along with the relevant account information and corresponding laws : 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 ( FCRA 1681e ) Explanation : The account has never been paid late, but the credit report inaccurately reflects late payments. This violation has affected my creditworthiness and overall financial stability. 
XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Credit Pull ( No specific statute ) Explanation : There is no recollection of authorizing this credit pull, constituting an unauthorized inquiry that has negatively impacted my credit report without my consent. 
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 ( FCRA 1681e ) Explanation : The account has never been paid late, but the credit report inaccurately reflects late payments. This has resulted in unjust consequences for my financial reputation. 
XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Credit Pull ( No specific statute ) Explanation : Similar to the previous instance, this unauthorized credit inquiry has occurred without my permission, leading to unwarranted negative effects on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : This address belongs to someone else. Delete it from my report immediately. 

Violation : Inaccurate Personal Information ( No specific statute ) Explanation : The incorrect address associated with my credit report has further compounded the inaccuracies and has potential implications for my personal security. 
XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX : This address belongs to someone else. Delete it from my report immediately. 

Violation : Inaccurate Personal Information ( No specific statute ) Explanation : Similarly, the inclusion of an inaccurate address in my credit report has created confusion and concerns about my personal information 's integrity. 
The aforementioned violations have had a profound impact on my financial standing, causing undue stress and emotional distress. To illustrate the gravity of this situation, allow me to share a personal story : Last year, I diligently worked towards the goal of purchasing a home for my family. After months of careful planning and saving, I submitted a mortgage application with optimism. However, my hopes were dashed when the application was denied due to inaccuracies in my credit report. Specifically, the misreported late payments on my XXXX XXXX and XXXX XXXX accounts cast an unjust shadow on my creditworthiness. The consequences were not solely financial ; the emotional toll of being denied a dream we had strived for was devastating. The constant worry, sleepless nights, and feelings of helplessness took a toll on my mental and emotional well-being. 

I implore the Consumer Financial Protection Bureau to take action to rectify these violations. The inaccuracies and unauthorized inquiries have had tangible and lasting consequences, extending far beyond mere credit scores. I kindly request that you investigate this matter thoroughly and compel the involved creditors to : Immediately correct and update the inaccurate information on my credit report, specifically for the XXXX XXXX and XXXX XXXX accounts ( FCRA 1681i ). 
Remove the unauthorized credit inquiries by XXXX and XXXX from my credit report. 
Perform a comprehensive verification process for all account information before reporting to credit agencies, in adherence with FCRA 1681k. 
The weight of these violations has taken a toll on my life, and I trust that the Consumer Financial Protection Bureau will ensure that my rights under the FCRA are enforced and upheld. 

Thank you for your attention to this matter. I eagerly await your response and resolution. 

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