Consumer complaint received 2023-08-28
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, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to formally dispute a series of credit reporting violations that have caused severe financial distress and emotional strain in my life. I am seeking your assistance in enforcing relevant laws to rectify these violations and restore the integrity of my credit report. The violations, along with their associated account details, and the specific laws they violate, are outlined as follows : XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the inaccurate reporting is adversely affecting my credit. I urge you to update this account and promptly delete the incorrect information. 
XXXX XXXX : Account Number : XXXX Violation : Questionable Account Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. The name and number associated with this account are questionable. Clarify the information or remove this account immediately from my report. 
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is significantly damaging my credit. I urge you to update and rectify this account 's information. 
XXXX : Account Number : XXXX Violation : Questionable Account Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. The account 's name and number are questionable. Provide clarification or remove it immediately. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the inaccurate reporting is having a detrimental impact on my credit. I urge you to rectify this situation promptly. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I implore you to address this promptly. 
XXXX XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal. 
XXXX XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is damaging my credit. I urge you to rectify this promptly. 
Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I implore you to address this promptly. 
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is adversely affecting my credit. I urge you to rectify this promptly. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is having a detrimental impact on my credit. I implore you to address this promptly. 
Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I urge you to rectify this promptly. 
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal. 
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. I can not recognize this business and kindly request an investigation to verify its authenticity. Please delete this account from my credit report. 
XXXX XXXX XXXX AZ XXXX : Account Number : Address Violation : Incorrect Personal Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Section 607 Request : The following personal information is incorrect. This address is not correct. I request that it be immediately deleted from my credit report. 
These violations have had a devastating impact on my financial stability and overall well-being. I would like to share a deeply personal story that illustrates how these violations have affected my life. 

In light of the aforementioned violations, I earnestly request the following actions : Enforcement of Legal Measures : Please take the necessary steps to enforce the relevant legal provisions to rectify the violations committed by the listed creditors. 
Investigation and Verification : I kindly request a thorough investigation into the accuracy and legality of the information reported by the creditors in question.

Removal of Unverified Accounts : I insist that the creditors promptly remove the unverified accounts listed above from my credit report. 
I firmly believe that addressing these violations is crucial to restoring my financial stability and peace of mind. I rely on the Consumer Financial Protection Bureau to ensure that justice is served and my rights as a consumer are upheld. 

Thank you for your attention to this matter. I look forward to your response and the resolution of these issues. 

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