Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Urgent Dispute of Persisting Inaccuracies on My Credit Report - FCRA Request Dear Sir/Madam, I hope this letter finds you well. I am writing to you for the third time with an increasingly heavy heart regarding the unresolved discrepancies in my credit report. Despite my previous attempts to rectify these issues, the inaccuracies persist, causing undue distress and impacting my financial well-being. 

Address Discrepancy : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Explanation : This address, which I have never inhabited, continues to XXXX my credit report, despite my repeated requests for its removal. The Fair Credit Reporting Act ( FCRA ) safeguards my right to an accurate credit history, and I implore you to please eliminate this erroneous entry from my XXXX report. 

Incorrect Employer : Current Employer : XXXX XXXX XXXX Incorrectly Reported : XXXX XXXX, XXXX XXXX  XXXX Explanation : My employment at XXXX XXXX XXXX remains erroneously reported as XXXX XXXX, XXXX XXXX XXXX. This misrepresentation adversely affects my credibility. I beseech you to rectify this discrepancy in compliance with FCRA guidelines across all credit bureaus. 

Late Payment Inaccuracy ( TransUnion ) : Account : XXXX  Account number XXXX Discrepancy : Discrepancy in dates of late payments and account activity among credit bureaus. 
Explanation : The inconsistency in reporting my XXXX XXXX  account undermines the accuracy of my payment history. Despite my assurances of timely payments, these errors persist. Please rectify these discrepancies promptly to ensure the fidelity of my credit report in accordance with FCRA regulations. 

Unauthorized Inquiries : XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 Explanation : The multiple unauthorized inquiries continue to cast doubts on the integrity of my credit report. I have no recollection of authorizing these inquiries and suspect potential fraudulent activity. It is my right under the FCRA to dispute and request their immediate removal to safeguard the accuracy of my credit profile. 

I earnestly plead with you to investigate these persistent discrepancies diligently and rectify them without further delay. Enclosed once again are documents substantiating my claims, affirming my correct address and employment details. 

Your immediate attention to this matter, acknowledging my rights under the FCRA, would alleviate my deep concerns. I implore you to expedite the resolution of these disputes and provide written confirmation upon their rectification. 

I am truly grateful for your assistance and eagerly anticipate your swift response. 

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