Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX SSN : XXXX DOB : XX/XX/ Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to file a formal dispute regarding several inaccuracies on my credit report, as reported by various creditors. These inaccuracies have had a profound and distressing impact on my life. I am reaching out to you, as I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I respectfully request your assistance in resolving this matter. 

Violations : The following accounts have been reported inaccurately on my credit report, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX XXXX  : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX XXXX Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXXXXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX  : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX XXXX XXXX Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting XXXX : Account number : XXXX Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) - Inaccurate Reporting Personal Impact : These inaccuracies have not only affected my financial stability but have also taken a significant toll on my emotional well-being. The stress and XXXX I have experienced as a result of these inaccuracies are difficult to put into words. Allow me to share a personal story to illustrate the depth of this impact : Several months ago, I embarked on a journey to purchase my first home. As a responsible and diligent individual, I had spent years saving for this momentous occasion. My dream was to provide a stable and secure environment for my family. However, when I applied for a mortgage, my excitement quickly turned into heartbreak. 

The lender informed me that my credit report showed several accounts that I had no knowledge of and certainly no involvement with. These accounts, including those mentioned above, were listed as unpaid and delinquent, significantly lowering my credit score. As a result, I was denied the mortgage loan I had worked so hard to qualify for. 

The impact was devastating. I was forced to inform my family that our dream of owning a home was postponed indefinitely. We had to continue living in a cramped rental property, and my children were unable to have a stable place to call home. This situation not only affected me but also had a direct and emotional impact on my family 's well-being.

Request for Resolution : I kindly request that you intervene to enforce my legal rights under the FCRA. The inaccuracies on my credit report have caused immense emotional distress and have hindered my ability to access essential financial services. I implore you to investigate these accounts and ensure their accuracy. If these accounts can not be verified, I request that the respective creditors be mandated to remove them from my credit report immediately. 

I am immensely grateful for your attention to this matter and the invaluable work that the Consumer Financial Protection Bureau does to protect consumers like myself. I eagerly await a resolution to this dispute so that I can regain control of my financial future and provide a better life for my family. 

Thank you for your prompt attention to this pressing issue. 

Sincerely, XXXX 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