Consumer complaint received 2023-08-25
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 Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate and unverified accounts that are currently appearing on my credit report. I am seeking your assistance in enforcing my legal rights under relevant consumer protection laws. These inaccuracies have had a profound impact on my financial well-being and have caused significant distress in my life. 

As a diligent consumer, I have closely monitored my credit history to ensure its accuracy and to maintain my financial standing. However, I was dismayed to discover multiple accounts that have been inaccurately reported, and several of these accounts have not been properly verified. This situation has left me feeling helpless and anxious about my financial future. 

The violations I believe have occurred include : Violation of the Fair Credit Reporting Act ( FCRA ) - Inaccurate Reporting : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : The reporting of inaccurate late payment information, which has significantly impacted my credit score and overall financial health. 
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of the Fair Credit Reporting Act ( FCRA ) - Failure to Update Inaccurate Information : Creditor : XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violation : Despite my repeated attempts to correct the inaccurate information, the creditor has failed to update the reported data, which continues to harm my credit profile. 
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of Privacy Laws- Inclusion of Incorrect Address Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately. 
Violation : Inclusion of incorrect personal information, including addresses, has compromised my privacy and potentially exposed me to identity-related risks. 
Relevant Privacy Regulation : Gramm-Leach-Bliley Act ( GLBA ) Violation of the Fair Credit Reporting Act ( FCRA ) - Unauthorized Credit Pulls : Creditor : XXXX  XXXX | XX/XX/XXXX XXXX do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 
Creditor : 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! 

Violation : Numerous unauthorized credit pulls have been conducted without my knowledge or consent, causing unwarranted negative impacts on my credit score and financial reputation.

Relevant FCRA Section : 604 - Permissible Purposes of Consumer Reports This situation has been devastating for me. As a [ mention personal background, e.g., hardworking parent, responsible homeowner, etc. ], the accuracy of my credit report is pivotal to securing my family 's financial stability and future aspirations. The emotional toll of constantly battling these inaccuracies has taken away my peace of mind and created undue stress that affects both my professional and personal life. 

I kindly request that the Consumer Financial Protection Bureau take action to enforce my legal rights under the applicable laws and regulations. I implore you to investigate the aforementioned violations and ensure that the responsible creditors promptly and thoroughly address these issues. Specifically, I request the removal of the unverified accounts from my credit report, allowing me the chance to rebuild my financial standing on accurate and fair terms. 

I appreciate your time and attention to this matter. Your intervention would provide much-needed relief and allow me to regain control of my financial well-being. I eagerly await your response and resolution to this distressing situation. 

Thank you for your understanding 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