Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1985 Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws that have caused significant harm to my financial well-being and overall quality of life. I implore you to take the necessary actions to enforce the legal provisions outlined in the FCRA, as well as other relevant statutes, and address the following concerns promptly. 

The errors and violations originate from the conduct of various creditors and their handling of my credit information. I have meticulously reviewed my credit reports and identified several instances of non-compliance with both federal and state regulations, which have had far-reaching consequences on my life. To provide a clearer picture of the impact, I would like to share a deeply personal story that vividly illustrates the emotional toll these violations have taken : [ Personal Story ] : Imagine the weight of striving to build a solid financial future, only to have that foundation shattered by inaccuracies on your credit report. I have faced the daunting experience of being denied essential credit opportunities, such as securing housing and employment, due to inaccurately reported accounts that I neither recognize nor authorized. As a diligent provider for my family, these discrepancies have caused immeasurable stress and uncertainty. The relentless frustration of feeling trapped by these inaccuracies has taken a toll on my mental well-being, leading to restless nights and overwhelming anxiety. 

Now, addressing the specific violations and citing relevant laws : Failure to Verify and Remove Unrecognized Accounts ( FCRA Section 611 ) : XXXX ( Account : XXXX ) : Despite my diligent efforts, this account remains unverified and unvalidated on my credit report. 
XXXX XXXX XXXX ( Account : XXXX ) : The failure to verify this account has left me unable to confirm its legitimacy. 
Unauthorized Credit Pulls ( FCRA Section 604 ) : XXXX  ( Account : N/A ) : Unauthorized credit inquiries, which I neither authorized nor recall, have impacted my credit score and financial stability. 
XXXX  ( Account : N/A ) : Unauthorized credit inquiry without my consent has caused undue harm to my credit standing. 
Inaccurate Personal Information ( FCRA Section 607 ) : Incorrect Addresses ( Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) : The inclusion of inaccurate addresses on my credit report has led to confusion and potential identity-related issues. 
Reporting Inaccuracies and Failure to Investigate ( FCRA Sections 611 and 623 ) : XXXX ( Account : XXXX ) : Despite my continuous attempts to correct inaccurate reporting, this account remains misrepresented. 
XXXX XXXX XXXX ( Account : N/A ) : Failure to remove unauthorized and unverified account information violates my rights under the FCRA. 
I am writing to formally request that the aforementioned creditors take immediate actions to address these violations, rectify the inaccuracies, and remove the unverified accounts from my credit report. Enforcing the legal provisions outlined in the Fair Credit Reporting Act and other applicable laws is pivotal to my financial recovery and emotional well-being. I seek the assurance of accurate credit reporting, the ability to pursue essential credit opportunities, and the confidence to provide a secure future for my family. 

I kindly implore your intervention in resolving these matters, as your assistance carries the weight of restoring my faith in the fairness of the credit reporting system and its guardians. Your commitment to upholding the principles of fairness, accuracy, and transparency is instrumental in achieving justice for consumers like me. 

Thank you profoundly for your attention to this pressing matter. 

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