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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to request your assistance in addressing a series of concerning violations that have significantly impacted my financial well-being and peace of mind. The violations pertain to my credit report and have caused undue stress and hardship in my life. 

I would like to provide you with a detailed account of the violations I have experienced, along with a personal story that illustrates the profound effects these violations have had on my life. 

Violations : Unauthorized Inquiries XXXX XXXX XXXX | 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 | 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  | 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 | 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 XXXX | 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 XXXXXXXX XXXX XXXX | 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 | 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 Failure to Correct XXXX  : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 
Late payments reported inaccurately, failure to correct after updates. 
Incorrect Personal Information ( Address ) XXXX XXXX  XXXX XXXX XXXX CA XXXX- This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX LA XXXX XXXX CA XXXX- This address belongs to someone else. Delete it from my report immediately. 

XXXX XXXX XXXX | 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 OF XXXX XXXX XX/XX/XXXX - I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Personal Story : For the past few years, I have been diligently working towards securing a stable financial future for myself and my family. I have always been cautious about my financial decisions, and I have strived to maintain a clean and accurate credit history. Unfortunately, the violations I have faced have thrown me into a state of distress and uncertainty.

The unauthorized inquiries on my credit report have left me feeling violated and exposed. To think that my personal information may have been accessed without my consent is deeply unsettling. As someone who values their privacy, this breach of trust has caused me immense emotional distress. These unauthorized inquiries have left me questioning the security of my financial identity and the safeguards that should be in place to protect individuals like myself. 

Furthermore, the inaccurate reporting and failure to correct information have had tangible consequences on my financial opportunities. Despite my efforts to maintain accurate records, seeing false information on my credit report has led to denials of credit, increased interest rates, and limited access to essential financial services. The lack of timely correction exacerbates the damage, leaving me in a state of financial limbo that I never anticipated. 

In addition, the inclusion of incorrect personal information, such as an address that does not belong to me, has further muddled my credit profile. This misinformation not only tarnishes my creditworthiness but also creates confusion and complicates my ability to manage my financial affairs effectively. 

In light of these violations and the toll they have taken on my financial and emotional well-being, I kindly request that you enforce the legal protections available to consumers like me. I implore you to take action to ensure that my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws and regulations are upheld, and that the entities responsible for these violations are held accountable for their actions. 

In conclusion, I respectfully ask that the following actions be taken : Investigate and address the unauthorized inquiries on my credit report. 
Rectify the inaccurately reported information and ensure that corrections are made promptly. 
Remove the incorrect personal information from my credit report. 
Enforce the removal of unverified accounts that are impacting my credit report. 
I understand that you are dedicated to safeguarding consumers ' rights and promoting fair and transparent financial practices. I greatly appreciate your attention to this matter and your commitment to ensuring that consumers are treated fairly under the law. 

Thank you for your time and consideration. I look forward to a resolution that will help me regain my financial stability and provide me with the peace of mind I deserve. 

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