Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation regarding several items on my credit report that I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying these inaccuracies and ensuring the integrity and accuracy of my credit report.

The violations I have identified are as follows : Inaccurate Bankruptcy Entry XXXX  XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.

Violation : FCRA Section 1681e ( a ) - Accuracy Unauthorized Credit Inquiries a ) XXXX  - Date of Inquiry : XX/XX/XXXX b ) XXXX XXXX  - Date of Inquiry : XX/XX/XXXX c ) XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX d ) XXXX  - Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing these credit inquiries and demand their removal as they were unauthorized.

Violation : FCRA Section 1681b ( f ) - Unauthorized Inquiry Inaccurate Account Information a ) XXXX XXXX XXXX - Account Number : XXXX b ) XXXX - Account Number : XXXX c ) XXXX  XXXX - Account Number : XXXX These accounts contain questionable information, either inaccurately associated with me or bearing incorrect account details. I request either clarification of this information or the elimination of these accounts from my credit report.

Violation : FCRA Section 1681e ( a ) - Accuracy Unrecognized Accounts a ) XXXX XXXX XXXX XXXX Account Number : 1XXXX b ) XXXX XXXX  - Account Number : XXXX These accounts are unfamiliar to me, and I implore you to investigate their validity. If unable to verify their authenticity, I request the immediate removal of these accounts from my credit report. 
Violation : FCRA Section 1681e ( a ) - Accuracy Inaccurate Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Violation : FCRA Section 1681e ( a ) - Accuracy Unverified Account Details XXXX - Account Number : XXXX This account 's details are questionable, and I can not recognize this business. I request an investigation into its validity and, if necessary, the removal of this account from my credit report. 
Violation : FCRA Section 1681e ( a ) - Accuracy Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Violation : FCRA Section XXXX ( a ) - Accuracy These inaccuracies have had far-reaching consequences on my financial well-being and overall quality of life. Inaccurate information has caused undue stress and hardships, impacting my ability to secure favorable financial opportunities and undermining my pursuit of financial stability. 

As someone who strives to maintain an accurate and responsible financial history, the presence of these violations on my credit report has been profoundly distressing. The emotional toll of these inaccuracies has been exacerbated by their tangible impacts on my family 's ability to achieve key milestones, such as obtaining fair loan terms and securing a stable living environment. 

In view of these violations, I kindly request your intervention to enforce the legal protections provided by the Fair Credit Reporting Act. I implore you to collaborate with the relevant creditors and credit reporting agencies to expeditiously rectify these issues. Specifically, I request the removal of the aforementioned unauthorized, inaccurate, unverified, and incorrect entries from my credit report, thereby restoring its accuracy and reliability. 

I have the utmost confidence in your commitment to upholding consumer rights and ensuring fairness within the credit reporting system. Your assistance in resolving this matter would be greatly appreciated and would contribute to the restoration of my financial peace of mind. 

Thank you for your attention to this dispute. I look forward to a positive 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