Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX, Texas XXXX SS # : XXXX Date of Birth : XXXX  Dear Sir/Madam, I am writing to dispute and request the removal of inaccurate and unauthorized credit information from my credit report. I have identified several discrepancies that are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACT ACT ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Under the provisions of the FCRA ( Section 611 ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my credit report, I have found several unauthorized credit inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Per the FCRA ( Section 611 ( a ) ( 5 ) ( A ) ), you must investigate these inquiries and promptly remove them from my credit report as I have no recollection of authorizing them. 



Furthermore, the FDCPA ( Section 809 ) and FCRA ( Section 623 ) protect consumers from inaccurate credit reporting and debt collection practices. I have identified the following accounts inaccurately reported as having been paid late : DEPT OF ED/XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Under the FCRA ( Section 623 ( a ) ( 2 ) ), I dispute the accuracy of these accounts. You are required to conduct a thorough investigation and provide me with a written response, along with any corrective actions taken within 30 days from the receipt of this letter. 



Additionally, the FACT ACT ( Section 611 ) allows consumers the right to request investigations into incorrect personal information on their credit reports. I have identified outdated and incorrect previous addresses : Incorrect Previous Address : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Incorrect Previous Address : Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX Pursuant to the FACT ACT ( Section 611 ( a ) ( 1 ) ( A ) ), I request the immediate deletion of these outdated addresses from my credit report. 



Finally, in accordance with the FCBA ( Section 1666i ) and the TILA ( Section 1641 ), I dispute the following account as I can not recognize this business, and I demand a thorough investigation to confirm its accuracy : XXXXXXXX XXXX XXXX  Account Number : XXXX In light of the above laws and specific codes mentioned, I urge you to take this dispute seriously and rectify the inaccuracies in my credit report. Failure to comply with these federal laws may subject your company to legal actions. 



I request that you provide me with a written confirmation of your investigation results and any actions taken to resolve these issues within the prescribed timeline. Additionally, I expect you to update my credit report accordingly and send me a revised copy as soon as possible. 



Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and uphold your responsibilities under the applicable laws. 



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