Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing violations of my consumer rights, as detailed below. I implore you to help enforce the laws designed to protect consumers like me from inaccurate and damaging credit reporting practices. 

**Violation 1 - FCRA Section 1681s-2 ( a ) ** : **Creditor** : XXXX XXXX XXXX **Account Number** : XXXX I was shocked to discover an account listed under the name of XXXX XXXX XXXX on my credit report XXXX To my bewilderment, I can not recognize this business or recall any association with them. This mysterious account has had a profound impact on my life. The uncertainty surrounding its origin has left me feeling helpless and anxious. It has affected my ability to secure loans and housing, and I live with a constant fear of financial repercussions. 

**Violation 2 - FCRA Section 1681s-2 ( b ) ** : **Creditor** : XXXX **Account Number** : XXXX The account listed under XXXX is riddled with discrepancies, from the account name to the account number. These inconsistencies have thrown my financial world into disarray. The confusion and uncertainty have led to sleepless nights, as I struggle to understand why this account remains on my credit report. It has hindered my efforts to rebuild my financial stability and move forward with my life. 

**Violation 3 - FCRA Section 1681i** : **Creditor** : XXXX | XX/XX/XXXX The unauthorized credit pull by XXXX on XX/XX/XXXX, has been a source of immense frustration and distress. I have no recollection of authorizing this inquiry, and it has left me feeling violated and powerless. This single event has had a cascading effect on my creditworthiness, making it increasingly challenging for me to access credit when needed for essential life expenses. 

**Violation 4 - FCRA Section 1681s-2 ( a ) ** : **Creditor** XXXX XXXX XXXX XXXX **Account Number** : XXXX The inaccuracies in the reporting of this XXXX XXXX XXXX  account have had severe repercussions. To the best of my knowledge, this account has never been paid late. The erroneous information is devastating my credit score and, consequently, my financial prospects. It feels like an unwarranted punishment for an error that is not of my making. 

**Violation XXXX - FCRA Section 1681i** : **Creditor** : XXXX XXXX XXXX XXXX XXXX Similar to the XXXX inquiry, the unauthorized credit pull by XXXXXXXX XXXX XXXX  on XX/XX/XXXX, has raised serious concerns. I have no recollection of granting permission for this inquiry, and its presence on my credit report has had a detrimental impact on my financial standing. 

These violations have taken a toll on my emotional well-being. The constant battle to correct these inaccuracies has left me emotionally drained, anxious, and fearful of my financial future. It has strained my relationships and affected my mental health. 

In light of these violations and the emotional distress they have caused, I earnestly request the following actions : 1. Immediate and thorough investigation into the validity of the mentioned accounts.

2. Verification and validation of the accuracy of all reported information.

3. Removal of these unverified accounts from my credit report in accordance with the FCRA.

I implore the Consumer Financial Protection Bureau to use its authority to ensure that my rights as a consumer are upheld and that the laws designed to protect consumers like me are enforced rigorously. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that will allow me to regain control of my financial life and start the process of healing from the emotional distress caused by these credit reporting violations. 

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