Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to dispute several items on my credit report that contain errors and inaccuracies. Specifically, I am concerned about the following violations : Incorrect personal information : My name is XXXX XXXX XXXX, and my name is incorrectly listed as XXXX XXXX XXXX on my credit report. 

Incorrect personal information : My previous address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Incorrect personal information : Another previous address is listed as XXXX XXXX XXXX XXXX XXXX, TX XXXX, which is also incorrect. 

Unauthorized inquiries : I did not authorize the following inquiries on my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 

Inaccurate account information : Several accounts on my credit report contain incorrect information, including an incorrect high balance, an inaccurate date of last activity, re-aged accounts, a charge off listed as open, and a collection account with a limit. These errors are present in the following accounts : XXXX with account number XXXX, XXXX with account number XXXX, XXXX  with account number XXXX, and XXXX with account number XXXX. 

I want to emphasize how important it is for these errors to be corrected as soon as possible. My credit report is essential for many aspects of my life, including obtaining loans, renting an apartment, and even applying for certain jobs. The inaccuracies in my report are preventing me from achieving my financial goals and negatively impacting my life. 

In addition to the inaccuracies and errors mentioned above, I also want to share a personal story of how this has affected my life. Last year, I applied for a loan to purchase a car, and my application was denied because of the errors on my credit report. As a single mother who commutes long distances to work, having a reliable car is essential for me to support my family. Not being able to obtain the loan and purchase the car I needed was a significant setback for me and my family. 

Therefore, I am requesting that you enforce the legal obligation of the creditor to provide accurate and verifiable information on my credit report. I also want to request that you remove the unverified accounts mentioned above from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt 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