Consumer complaint received 2023-08-29
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 XXXX XXXX XXXX XXXX, Arizona XXXX To Whom It May Concern, I am writing to file a formal dispute under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) against [ Credit Bureau 's Name ], [ Debt Collector/Creditor 's Name ], and [ Creditor 's Name ]. It has come to my attention that my credit report contains unauthorized and invalidated accounts, which are direct violations of the FDCPA. I believe these actions to be deceptive and misleading, and I kindly request your intervention to ensure the enforcement of relevant legal provisions. 

Details of Violations : XXXX XXXX  Account Number : XXXX Violation : FDCPA Section 807 ( 8 ) Violation Description : The inclusion of an unauthorized and invalidated account ( Account Number : XXXX ) on my credit report falsely represents the character, amount, or legal status of the debt, thereby violating FDCPA Section 807 ( 8 ). 
XXXX XXXX Account Number : XXXX Violation : FDCPA Section 807 ( 8 ) Violation Description : The presence of an unauthorized and invalidated account ( Account Number : XXXX ) on my credit report constitutes a violation of FDCPA Section 807 ( 8 ) as it misrepresents the character, amount, or legal status of the debt. 
XXXX XXXX XXXX Account Number : XXXX Violation : FDCPA Section 807 ( 8 ) Violation Description : The appearance of an unauthorized and invalidated account ( Account Number : XXXX ) on my credit report is in direct violation of FDCPA Section 807 ( 8 ), as it falsely represents the character, amount, or legal status of the debt.

Personal Impact : Allow me to share a personal story illustrating how these violations have deeply affected my life. As a hardworking individual striving to maintain financial stability, I have diligently managed my credit and finances. However, the inclusion of these unauthorized and invalidated accounts has inflicted emotional distress and hindered my ability to secure favorable financial opportunities. The anxiety and frustration stemming from these inaccuracies have impacted my overall well-being, causing sleepless nights and constant worry about my financial future. 

Request for Resolution : In light of the violations outlined above, I earnestly request the following actions to be taken : Enforce the legal provisions of the Fair Debt Collection Practices Act to rectify the deceptive and misleading practices that have tarnished my credit report. 
Initiate an investigation into the unauthorized and invalidated accounts associated with [ Credit Bureau 's Name ], [ Debt Collector/Creditor 's Name ], and [ Creditor 's Name ]. 
Ensure the prompt and complete removal of these unverified accounts ( Account Numbers : XXXX, XXXX, XXXX ) from my credit report, restoring my financial credibility and peace of mind. 
I sincerely appreciate your attention to this matter and trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights. I kindly request updates on the progress of the investigation and any actions taken to resolve these violations. Your intervention will not only rectify my situation but also contribute to upholding the integrity of the credit reporting system for countless others facing similar challenges. 

Thank you for your understanding and assistance in resolving this critical issue. 

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