Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) by various creditors that have significantly impacted my financial well-being and quality of life. The violations detailed below have left an indelible mark on my personal and financial journey, causing immense stress, frustration, and hardship. 

Unauthorized Inquiries : The unauthorized inquiries made by the following creditors are clear violations of FCRA Section 604 ( a ) ( 3 ) ( B ) and Section 606 ( a ), as they were made without my consent or any legitimate business need : The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX This address belongs to someone else. Delete it from my report immediately. 
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX ( Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX  ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX ( Date of Inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inaccurate Reporting and Improper Account Information : Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. violate FCRA Section 611 and have adversely affected my credit history. 
These violations have deeply affected my life. As a result of the unauthorized inquiries and inaccurate reporting, I have been denied access to credit opportunities that could have helped me achieve my goals. I vividly remember the disappointment I felt when my mortgage application was rejected due to these incorrect records. The emotional toll of these events has been significant, straining relationships and causing sleepless nights as I grapple with the financial fallout. 

These violations correspond with the following sections of the FCRA : Unauthorized Inquiries : FCRA Section 604 ( a ) ( 3 ) ( B ) FCRA Section 606 ( a ) Inaccurate Reporting and Improper Account Information : FCRA Section 611 I implore you to enforce legal action against the creditors involved and ensure they adhere to the FCRA regulations. I kindly request that the following actions be taken : Thorough investigation and enforcement of appropriate penalties against the creditors who engaged in unauthorized inquiries and inaccurate reporting. 
A comprehensive review of the inaccurate account information from XXXX XXXX XXXX, and an immediate correction or removal of the inaccuracies. 
A requirement for the creditors to provide verified documentation for the accounts they have reported, ensuring accuracy and accountability. 
In conclusion, I urge the Consumer Financial Protection Bureau to use its authority to hold these creditors accountable for their actions. Please understand that this is not just about correcting credit reports ; it's about restoring my faith in the financial system and granting me the opportunity to rebuild my life with the dignity I deserve. 

I appreciate your attention to this matter and thank you for your commitment to consumer protection. 

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