Consumer complaint received 2023-09-05
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 XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have significantly impacted my life. The violations pertain to the inaccurate and unverified information on my credit report, which has had profound and distressing consequences on my financial stability and overall well-being. 

Violations and Affected Accounts : XXXX XXXX : Account Number : XXXX Violation : Inaccurate reporting, unverified information. 
Request : Remove the account from my credit report and verify payment status, balance, comments, payment history, and account number for accuracy. 
XXXX XXXX : Account Number : XXXX Violation : Inaccurate reporting, false updates. 
Request : Correct/update the inaccurate information on my credit report, specifically the incorrect late payments. 
XXXX XXXX : Account Number : XXXX Violation : Unverified account with no business relationship. 
Request : Remove this unknown account from my credit report due to the absence of any business relationship. 
XXXX : Account Number : XXXX Violation : Inaccurate reporting, unverified information. 
Request : Remove the account from my credit report and verify payment status, balance, comments, payment history, and account number for accuracy. 
XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account Number : XXXX  Violation : Unauthorized inquiry, potential fraud. 
Request : Immediately remove this inquiry from my credit report as I do not recall authorizing it, and I suspect fraudulent activity. 
XXXX XXXX : Account Number : XXXX Violation : Inaccurate reporting, unverified information. 
Request : Remove the account from my credit report and verify payment status, balance, comments, payment history, and account number for accuracy.

Personal Story : These violations have had a profound impact on my life. I vividly recall the day when I realized the extent of the damage to my financial reputation. As a result of these inaccuracies and unverified accounts, I have been denied opportunities to secure loans, obtain reasonable interest rates, and even find suitable housing. This ordeal has led to endless frustration, sleepless nights, and emotional distress. My dreams of providing a stable future for my family have been shattered, and I have been left feeling helpless and vulnerable.

It is heart-wrenching to see my family struggle due to these unjustly tarnished credit reports. We have been denied access to housing in safe neighborhoods, and our financial dreams are on hold. I have worked diligently to ensure a better life for my loved ones, and it is devastating to see our efforts undermined by erroneous credit reporting. 

Request for Resolution : In light of the violations outlined above, I respectfully request that the CFPB take immediate action to enforce my legal rights under the FCRA. I implore you to investigate these matters thoroughly and compel the creditors involved to : Verify and rectify the accuracy of the reported information. 
Remove unverified accounts and erroneous entries from my credit report. 
I believe that the enforcement of these legal provisions will not only restore my financial dignity but also help me provide a brighter future for my family. 

Thank you for your attention to this matter, and I hope for a swift resolution to this distressing situation. I trust in the CFPB 's commitment to ensuring fair and accurate credit reporting for all consumers. 

Sincerely, XXXX 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