Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX 100 % am writing this letter and providing proof of inaccuracies on my report from your reporting of my credit report. 

Dear Consumer Financial Protection Bureau, I am writing to report inaccuracies on my credit report and to request that XXXX, XXXX, and Transunion remove all inaccurate items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The FCRA is a federal law that regulates how consumer credit reporting agencies, such as XXXX, XXXX, and Transunion, collect, maintain, and report information about consumers. Under the FCRA, consumers have the right to dispute any inaccurate information on their credit reports and have it corrected or removed. 

Specifically, the FCRA requires credit reporting agencies to follow certain procedures when reporting information about consumers. These procedures include : Providing consumers with a copy of their credit report upon request. 
Investigating disputes raised by consumers about inaccurate information on their credit reports. 
Correcting or removing inaccurate information from credit reports within a reasonable time frame. 

In addition to the FCRA, there are other laws, statutes, and regulations that credit reporting agencies must follow when reporting information about consumers. For example : The Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

The Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to provide consumers with a free credit report once a year, and to provide additional free reports if a consumer has been the victim of identity theft or fraud. 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau ( CFPB ) to help protect consumers from unfair, deceptive, or abusive practices in the financial industry. 
If a credit reporting agency violates any of these laws, statutes, or regulations, consumers have the right to file a complaint with the CFPB or with other federal or state agencies that regulate the credit reporting industry. 

In my case, I have noticed several inaccuracies on my credit report that are negatively affecting my credit score and my ability to obtain credit or other financial services. I have provided XXXX, XXXX, and Transunion with documentation to support my claim that these inaccuracies should be removed from my credit report. 

Specifically, I am requesting that XXXX, XXXX, and Transunion remove the following items from my credit report : Inquiries | Creditor | Account Type | Date Reported | Credit Bureau | | XXXX XXXX XXXX | XXXX  XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX XXXX XXXX XXXX | - | XX/XX/XXXX | XXXX | | XXXX | Bank Credit Cards XXXX XX/XX/XXXX | TransUnion | | XXXXE | - | XX/XX/XXXX | XXXX | XXXX XXXX XXXX XXXX  | Bank Credit Cards XXXX XX/XX/XXXX | XXXX | | XXXX  XXXX | Bank Credit XXXX XXXX XX/XX/XXXX | TransUnion | | XXXX  | Bank Credit Cards XXXX XX/XX/XXXX XXXX XXXX | | XXXX | Bank Credit Cards | XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX | Commercial Banks | XX/XX/XXXX | TransUnion | | XXXX | Bank Credit Cards | XX/XX/XXXX | XXXX | XXXX XXXX XXXX Bank Credit Cards | XX/XX/XXXX | TransUnion | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX  | | XXXX, XXXX | Installment Loans | XX/XX/XXXX | XXXX | | XXXX | Bank Credit Cards | XX/XX/XXXX | TransUnion | | XXXX, XXXX  | Installment XXXX | XX/XX/XXXX XXXX XXXX | | XXXX | - | XX/XX/XXXX | XXXX | | XXXX XXXX | Auto Financing | XX/XX/XXXX | XXXX  | | XXXX | XXXX XXXX  | XX/XX/XXXX | TransUnion | | XXXX XXXX | Credit Cards Issued by Finance Companies | XX/XX/XXXX | TransUnion Accounts : XXXX | Account # XXXX XXXX | Account # XXXX XXXX | Account # XXXX XXXX | Account # XXXX XXXX XXXX IN Account # XXXX XXXX  XXXX XXXX XXXX | Account # XXXX XXXX | Account # XXXX These inaccuracies are in violation of the FCRA and other applicable laws, statutes, and regulations. I am therefore requesting that XXXX, XXXX, and Transunion investigate my dispute and remove all inaccurate items from my credit report within a reasonable time frame. 

In conclusion, I urge the CFPB to investigate this matter and take appropriate action against XXXX, XXXX, and Transunion for reporting inaccurate information on my credit report. I also urge the CFPB to continue to enforce the FCRA and other laws, statutes, and regulations that protect consumers from unfair, deceptive, or abusive practices in the credit reporting industry. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. I have documents attached detailing VERY SPECIFICALLY proof of the inaccuracies down below this report, along with verifiable proof of my SSN, IDENTIFICATION CARD, and BANK statement. I urge the CFPB to take swift action in holding the credit bureaus accountable for their violations of the FCRA. 

Please have XXXX, XXXX, & TRANSUNION only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. 

Thank you for your attention to this matter. 

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