Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to you today with a heavy heart and a deep sense of frustration stemming from a situation that has had a profound and devastating impact on my life. I am hopeful that the Consumer Financial Protection Bureau, as the guardian of consumer rights, can help me find a resolution to the injustices I have faced. 

As a law-abiding citizen, I have always strived to maintain a good credit standing. A good credit score is not just a number ; it represents financial stability, opportunities, and the ability to provide a secure future for oneself and one 's family. Unfortunately, this aspiration was shattered when I discovered several unauthorized and unverified accounts on my credit report, tarnishing my financial reputation and dreams. 

The violations I wish to bring to your attention, along with the specific codes, subsets, and sections of the law they may have violated, are as follows : 1. Unverified Accounts : XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). 

XXXX. Unauthorized Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX XXXX XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX  XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).

XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX  ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).

XXXX XXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX XXXX  ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ). 

XXXX. Erroneous Information : XXXX  ( Account Number : XXXX ) : This account contains incorrect payment status, balance, comments, and payment history, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). 

XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ). 

The emotional toll this ordeal has taken on my life can not be overstated. I have been denied financing for essential needs, such as housing and transportation, due to the inaccurate information on my credit report. My family and I have endured countless sleepless nights, stress, and XXXX, wondering how we will secure a stable future with this shadow of uncertainty hanging over us. 

This situation has affected my ability to provide for my family, and it has put my dreams of homeownership, higher education for my children, and a secure retirement in jeopardy. The emotional distress, humiliation, and financial turmoil I have experienced are immeasurable. 

In light of the violations outlined above and the profound impact this has had on my life, I kindly request the following : 1. Enforce Legal Action : I implore the Consumer Financial Protection Bureau to take all necessary actions to enforce the legal rights and protections that are afforded to consumers under the Fair Credit Reporting Act ( FCRA ), specifically the sections and subsets mentioned above. It is my hope that the appropriate penalties and remedies be imposed on the responsible parties to ensure they rectify these violations promptly. 

2. Removal of Unverified Accounts : I request that the creditors promptly investigate and verify the legitimacy of the accounts mentioned earlier. If these accounts can not be verified as mine, I urge that they be removed from my credit report without delay to restore my creditworthiness. 

I humbly request the CFPB 's intervention and support in this matter, as I believe it is the duty of consumer protection agencies to safeguard the rights and well-being of individuals like myself who have been unjustly affected by these violations. 

Thank you for your attention to this matter, and I look forward to a resolution that will allow me to regain control of my financial future and provide a stable and secure life for my family. 

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