Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to you with a deep sense of urgency and frustration regarding inaccuracies and potential violations on my credit report. The information presented on my report is not only incorrect but has also caused significant emotional distress and practical hardships. I am seeking your intervention to address these violations and rectify the adverse impact they have had on my life. 

The following accounts contain inaccuracies and potential violations that require your immediate attention : XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX - Account number : XXXX Violation : Inaccurate Reporting and Potential Verification Issue ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX  XXXX Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX  - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX  - Account number : XXXX Violation : Inaccurate Reporting and Potential Verification Issue ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX  XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX  - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX | XX/XX/XXXX - Account number : N/A Violation : Unauthorized Inquiry ( FCRA Section 604 ( f ) ( 1 ) ) XXXX  XXXX - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX  - Account number : XXXX Violation : Inaccurate Reporting ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX  | XX/XX/XXXX - Account number : N/A Violation : Unauthorized Inquiry ( FCRA Section 604 ( f ) ( 1 ) ) The inaccuracies and potential unauthorized inquiries on my credit report have had a profound and distressing impact on my life. Allow me to share a deeply personal story that highlights the gravity of this situation. 

Several years ago, I faced a series of unforeseen financial challenges that led to a period of instability. Despite my relentless efforts to regain financial footing, these inaccuracies have continuously hindered my ability to secure housing, obtain fair employment opportunities, and restore a sense of normalcy in my life. 

For instance, I applied for a rental apartment that would have provided much-needed stability during a difficult time. However, I was denied solely due to an inaccurate credit report that did not accurately represent my creditworthiness. Similarly, I have faced hurdles in securing new job opportunities as employers often rely on credit reports as a measure of trustworthiness. The inaccurate information has perpetuated an unjust cycle of hardships, affecting not only my financial prospects but also my overall well-being. 

I implore the Consumer Financial Protection Bureau to leverage its authority and resources to rectify these violations promptly. I earnestly request your intervention to ensure that my credit report is accurate, free from unauthorized inquiries, and compliant with the Fair Credit Reporting Act. The impact of these violations goes beyond just my financial life ; it affects my mental health, relationships, and overall quality of life. 

In light of the violations outlined above, I kindly request that you initiate the necessary steps to investigate and address the inaccuracies and unauthorized inquiries. Moreover, I urge you to compel the relevant creditors to remove these unverified accounts from my credit report. Your intervention will not only help correct an injustice but will also contribute to a fair and transparent credit reporting system that protects consumers ' rights. 

I appreciate your attention to this matter and acknowledge the role that the Consumer Financial Protection Bureau plays in upholding consumer rights. Your assistance will bring much-needed relief to a situation that has caused significant suffering and uncertainty. 

Thank you for your time and consideration. 

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