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 XXXXXXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address multiple inaccuracies present on my credit report. These inaccuracies have caused significant distress and financial harm, and I am seeking your assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) to rectify these issues promptly. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX I have discovered an unauthorized credit pull listed on my credit report by XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no recollection of providing consent for this inquiry, and I am deeply concerned about the potential privacy violation. I demand the immediate removal of this unauthorized inquiry from my credit report in accordance with the FCRA 's provisions. 

XXXX XXXX ( Account number : XXXX ) : I am writing to express my strong dissatisfaction with the inaccurate information reported by XXXX XXXX on my credit report. The account number XXXX has been falsely labeled as having late payments, which is not accurate. I am certain that this account has always been paid on time. I urge you to rectify this situation and uphold the accuracy of my credit report as mandated by the FCRA. 

XXXX | XX/XX/XXXX I am deeply concerned to find an unauthorized credit inquiry by XXXX on XX/XX/XXXX listed on my credit report. I have no memory of providing consent for this inquiry. This unauthorized inquiry violates my privacy rights, and I request its immediate removal from my credit report in compliance with the FCRA. 

XXXX XXXX XXXXXX/XX/XXXX I have encountered an unauthorized credit pull by XXXX XXXX XXXXXX/XX/XXXX on my credit report. I have not granted permission for this inquiry, and I insist on the removal of this unauthorized entry from my credit report in accordance with the FCRA 's requirements. 

XXXX | XX/XX/XXXX An unauthorized credit pull by XXXX on XX/XX/XXXX has been listed on my credit report. I have not authorized this inquiry, and I am deeply concerned about this breach of my privacy. I demand the immediate removal of this unauthorized inquiry in compliance with the FCRA. 

XXXX | XX/XX/XXXX I have discovered an unauthorized credit inquiry by XXXX on XX/XX/XXXX on my credit report. I have no memory of granting permission for this inquiry, and I am troubled by this violation of my privacy. I request the prompt removal of this unauthorized inquiry in line with the FCRA. 

XXXX ( Account number : XXXX ) : I am writing to address the inaccurate information reported by XXXX on my credit report. The account number XXXX has been incorrectly labeled as having late payments. I can confirm that this account has always been paid on time. I demand the immediate correction of this misinformation to accurately reflect my credit history, as required by the FCRA. 

XXXX XXXX XXXX XXXX CA XXXX I have identified an incorrect address, XXXX XXXX XXXX XXXX CA XXXX, listed on my credit report. This address is not accurate and has caused confusion in my financial dealings. This violation of the FCRA 's requirement for accurate reporting necessitates the immediate removal of this erroneous information. 

XXXXXXXX XXXX XXXX XXXX CA XXXX Similar to the previous case, I have found an incorrect address, XXXXXXXX XXXX XXXX XXXX CA XXXX, on my credit report. This inaccurate information has had a negative impact on my financial reputation. I demand the immediate removal of this incorrect address to ensure accurate reporting in compliance with the FCRA. 

These inaccuracies have led to considerable emotional distress and financial setbacks. I implore you to take prompt action to enforce my rights under the FCRA and ensure that these violations are addressed. I kindly request that the involved creditors investigate these inaccuracies and unverified accounts on my credit report, rectify any erroneous information, and promptly remove unauthorized inquiries. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumer rights and fostering accurate credit reporting. I eagerly await your resolution of these pressing issues. 

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