Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of serious violations that have adversely affected my financial standing and well-being. I kindly request your intervention in enforcing my legal rights under the applicable laws, specifically the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection statutes. The violations pertain to my credit report and the accuracy of the information being reported by various creditors and credit reporting agencies. 

I understand that the Consumer Financial Protection Bureau plays a pivotal role in safeguarding consumer rights and ensuring the fair treatment of individuals in matters concerning credit reporting and financial information. With this in mind, I am seeking your assistance in addressing the following violations : Unauthorized and Unverified Credit Inquiries : Numerous unauthorized credit inquiries have been made on my credit report without my consent. This includes inquiries from entities such as : 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 XXXX XXXXXX/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 XXXXXX/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 XXXXXX/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 XXXXXX/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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXXXXXX XXXX XXXXXXXX | 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 XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
These unauthorized inquiries have not only violated my privacy but have also impacted my credit score negatively. I demand the removal of these unauthorized credit inquiries from my report.

Inaccurate Reporting by XXXX ( Account Number : XXXX ) : My credit report contains inaccurate information pertaining to my account with XXXX. This account has never been paid late, yet it is inaccurately reported as such. This inaccurate reporting is not only misleading but also damaging to my creditworthiness. I implore you to rectify this inaccurate reporting promptly. 

Incorrect Personal Information - Incorrect Addresses : My personal information, particularly my addresses listed as : XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address belongs to someone else. Delete it from my report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address belongs to someone else. Delete it from my report immediately. 
These incorrect addresses are causing confusion and affecting my ability to access financial opportunities and housing. I demand the immediate removal of these incorrect addresses from my report. 

These violations have inflicted significant emotional distress and financial hardship on my life. The stress of dealing with inaccurate information and unauthorized inquiries has taken a toll on my mental well-being. Additionally, these violations have hindered my ability to secure favorable financial opportunities, such as loans and housing, which are essential for maintaining stability and pursuing a better future. 

As I write this, I am reminded of the countless nights spent worrying about my financial prospects due to circumstances beyond my control. This situation has prevented me from achieving personal and professional milestones, and the emotional weight has been overwhelming. 

In light of the violations detailed above and the corresponding legal framework, including the Fair Credit Reporting Act ( FCRA ) Sections 604, 607, 611, and 623, I implore the Consumer Financial Protection Bureau to enforce my legal rights and work towards a resolution that restores accuracy and fairness to my credit report. Specifically, I request the removal of all unverified and unauthorized accounts and inquiries from my credit report, allowing me the chance to rebuild my financial standing on accurate and truthful grounds. 

I greatly appreciate your attention to this matter and your commitment to protecting consumer rights. I am hopeful that with your intervention, these violations will be rectified and justice will be served. Please feel free to contact me at XXXX or XXXX should you require any further information from my end. 

Thank you for your time and assistance. 

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