Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute certain inaccurate and potentially unauthorized information on my credit report and to request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). Your intervention is crucial in rectifying these matters, as they have led to undue distress and financial adversity in my life. 

XXXX : Account number : XXXX I have recently discovered an account attributed to XXXX, XXXX the account number XXXX, listed on my credit report. I am unable to identify this business or account, and I am concerned about its authenticity. Pursuant to my rights under the FCRA, I request a thorough investigation to verify the legitimacy of this account. Its presence on my credit report has caused confusion and anxiety, impacting my ability to manage my financial affairs. I kindly urge you to initiate a comprehensive review and request that this unverified account be promptly removed from my credit report. 

XXXX | XX/XX/XXXX : I am deeply troubled by an unauthorized credit inquiry that appears on my credit report, initiated by XXXX on XX/XX/XXXX. I have no recollection of granting authorization for this inquiry and suspect it might be fraudulent. This inquiry is not only a violation of my privacy but also a potential threat to my financial security. In accordance with the FCRA, I demand the immediate removal of this unauthorized inquiry from my credit report to safeguard my financial well-being. 

XXXX : Account number : XXXX The entry for XXXX bearing the account number XXXX, contains inaccuracies regarding my payment history. I affirm that this account has never been paid late, and I am distressed by the incorrect reporting that tarnishes my creditworthiness. As stipulated in the FCRA, I request the necessary corrections to this entry, along with the immediate deletion of the inaccurate information. The damage to my credit caused by this erroneous entry has hindered my financial opportunities and caused emotional distress. 

XXXXXXXX XXXX : Account number : XXXX I am faced with similar inaccuracies concerning the XXXX XXXX  account, identified by the account number XXXX. I can confirm that this account has never experienced late payments, and I am troubled by the false reporting that adversely affects my credit reputation. Under the provisions of the FCRA, I appeal for the rectification of this erroneous entry and its immediate removal from my credit report. The negative impact of this misinformation on my financial prospects and well-being is deeply disheartening. 

XXXX XXXX : Account number : XXXX Similarly, the XXXX XXXXXXXX account with the account number XXXX is inaccurately represented on my credit report. To the best of my knowledge, this account has never been paid late, and the inaccurate reporting has unjustly harmed my creditworthiness. In accordance with the FCRA, I implore you to address this situation by correcting the information promptly and removing the inaccurate data. The detrimental consequences of this erroneous entry on my financial health are a source of great concern. 

XXXX | XX/XX/XXXX : An entry from XXXX on XX/XX/XXXX, is present on my credit report, indicating a credit pull that I do not recall authorizing. I have no memory of granting consent for this inquiry and firmly demand its removal in line with the FCRA. This unauthorized entry not only infringes upon my privacy but also undermines the accuracy of my credit report, which has significant implications for my financial well-being. 

XXXXXXXX XXXX | XX/XX/XXXX : Similarly, an unauthorized credit pull by XXXXXXXX XXXX on XX/XX/XXXX, has been recorded on my credit report. I have no recollection of granting permission for this inquiry and am distressed by its inclusion. In accordance with the FCRA, I insist on the immediate removal of this unauthorized entry, as it unjustly affects my credit profile and overall financial stability. 

In light of the violations of the FCRA and the profound impact these inaccuracies and unauthorized inquiries have had on my life, I implore you to compel the concerned entities to conduct a thorough investigation. Furthermore, I request the complete removal of these unverified accounts and unauthorized inquiries from my credit report. This action is not only necessary to restore my financial security and peace of mind but also to ensure that my credit report accurately reflects my financial history. 

I appreciate your immediate attention to this matter and request that you keep me informed of any actions taken. You can reach me at the address provided above or via email at [ your email address ]. 

Thank you for your understanding and assistance in addressing these critical issues. 

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