Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to submit a formal dispute regarding inaccuracies on my credit report, as well as various violations of consumer protection laws that have had a profound impact on my financial well-being and personal life. I kindly request your assistance in addressing these concerns and enforcing the legal provisions designed to protect consumers like myself.

I wish to begin by sharing a deeply personal story of how these violations have adversely affected my life. Each day, I have navigated the stress and anxiety stemming from the discrepancies in my credit report, which have made it immensely challenging to secure financing for essential needs such as housing, education, and healthcare. This situation has not only created significant emotional distress but has also hindered my ability to provide for my family and work towards a stable future. 

Now, I want to highlight the specific violations that have compounded the difficulties I am facing : Incorrect Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX Violation : Inclusion of incorrect personal information, specifically an address that does not belong to me. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 
Unauthorized Inquiries : XXXX  XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 604, Permissible purposes of consumer reports. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 604, Permissible purposes of consumer reports. 

XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without my consent. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 604, Permissible purposes of consumer reports. 

Inaccurate Account Information : XXXX Account Number : XXXX Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX Account Number : XXXX Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX XXXX  XXXX Account Number : XXXX  Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX Account Number : XXXX Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX XXXX  XXXX Account Number : XXXX Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX XXXX Account Number : XXXX Violation : Inaccurate payment status, balance, comments, payment history, and account number. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

XXXX XXXX Account Number : XXXX Violation : Inaccurate information for an account that I never had a business relationship with. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) - Section 623, Accuracy of Report Information. 

In light of these violations, I am humbly requesting your intervention to enforce the legal protections that are in place to safeguard consumers. Specifically, I kindly ask that you take the following actions : Thorough Verification of Accounts : I request that each creditor is required to verify the accuracy of the information they have reported about me. This includes details related to payment statuses, balances, comments, payment histories, and account numbers.

Removal of Unverified Accounts : In cases where the reported information is found to be unverified or inaccurate, I urge you to require the respective creditors to promptly remove these accounts from my credit report. This will help rectify the harm caused by these discrepancies. 

The emotional toll these violations have taken on me is immeasurable, and I implore the Consumer Financial Protection Bureau to wield its authority in ensuring that my rights as a consumer are upheld. I believe that my case is emblematic of the importance of enforcing laws and regulations that protect individuals from unfair, deceptive, and unjust practices. 

Thank you for your attention to this matter. I am confident that your intervention will help alleviate the hardships I have been enduring due to these credit report inaccuracies and violations. I kindly request that you keep me updated on the progress of this dispute and the actions taken. 

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