Consumer complaint received 2023-09-01
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 XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : **FCRA Violation - Incorrect Personal Information : ** - Creditor : EMPLOYER : XXXX XXXX XXXX  - FCRA Section : 1681e ( b ) **FCRA Violation - Incorrect Previous Address : ** - Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX FCRA Section : 1681e ( b ) **FCRA Violation - Incorrect Employer Information : ** - Creditor : EMPLOYER : XXXX XXXX XXXX - FCRA Section : 1681e ( b ) **FCRA Violation - Incorrect Employer Information : ** - Creditor : EMPLOYER : XXXX XXXX - FCRA Section : 1681e ( b ) **FCRA Violation - Incorrect Previous Address : ** - Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX - FCRA Section : 1681e ( b ) **FCRA Violation - Incorrect Previous Address : ** - Creditor : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX - FCRA Section : 1681e ( b ) **FCRA Violation - Failure to Remove Inaccurate Information : ** - Creditor : XXXX - Account Number : XXXX - FCRA Section : XXXX ( a ) ( XXXX ) ( A ) **FCRA Violation - Failure to Provide Validated Debt Information : ** - Creditor : XXXX XXXX - Account Number : XXXX - FCRA Section : 1681s-2 ( a ) ( 1 ) ( B ) The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. 

This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. The severity of these violations and their profound effects on my life are difficult to overstate. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : 1. Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies. 
2. In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above. 

I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time and consideration. 

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 explanation