Consumer complaint received 2023-08-28
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: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and enforce the applicable legal provisions. The following are the specific details of the accounts in question and the violations I believe have occurred, along with the corresponding laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing the credit pull associated with this account on the mentioned date. I am deeply concerned about the unauthorized access to my credit information, which is a direct violation of my rights under FCRA Section 604 ( f ). 
XXXX XXXX XXXX  Violation : Unauthorized Credit Pull Explanation : Similarly to the previous instance, I have no memory of authorizing the credit pull connected to this account. Such unauthorized access to my credit information raises serious concerns about the safeguarding of my personal financial data, constituting a violation of my rights under FCRA Section 604 ( f ). 
XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate Credit Reporting Explanation : The inaccurate reporting of late payments on this account has significantly impacted my financial standing. I attest that this account has never been paid late and the reported information is completely inaccurate. This misreporting is detrimental to my credit score and overall financial well-being.

Violation : FCRA Sections 611 ( a ) and 623 XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull Explanation : Once again, I have no record of authorizing the credit pull tied to this account. This unauthorized access to my credit information is a direct breach of my rights under FCRA Section 604 ( f ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Potentially Unauthorized or Inaccurate Account Explanation : I am unable to identify the business associated with this account. As such, I can not verify its legitimacy or its relevance to my financial history. The inclusion of this account on my credit report raises concerns about unauthorized or inaccurate reporting. 
Violation : FCRA Sections 611 ( a ) and 623 The emotional distress caused by these violations has been overwhelming. The XXXX, frustration, and sleepless nights resulting from the potential impact on my financial future have taken a toll on my well-being. I urge the CFPB to intervene and enforce FCRA to rectify these violations and restore my faith in the integrity of the credit reporting system. 

In light of these violations, I earnestly ask that the CFPB exercise its authority to enforce FCRA and ensure the following remedies : The removal of unauthorized credit pulls from my credit report XXXX XXXX XXXX XXXX XXXX XXXX 
The correction of inaccurate information related to late payments on the mentioned XXXX XXXX 
A thorough investigation into the potentially unauthorized or inaccurate accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) and their immediate removal if not verified. 
I deeply appreciate your attention to this matter and your dedication to safeguarding consumer rights. Your intervention would not only provide relief from the distress caused by these violations but also restore my confidence in the credit reporting system 's accuracy and fairness. 

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