Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/1977 Re : Formal Dispute - Enforcement of Legal Rights & Request for Account Removal Dear, I hope this letter finds you well. I am writing to you today not just as a consumer, but as someone whose life has been profoundly impacted by the inaccuracies on my credit report, and as a fervent advocate for the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). It is with a heavy heart that I share my story, in the hopes that you will understand the gravity of the situation I am facing due to these inaccuracies.

Several accounts on my credit report have caused immeasurable distress in my life. The inaccuracies associated with these accounts have led to unjust financial hardships, emotional turmoil,
and sleepless nights. The violations I have identified are clear, and I implore you to take action to rectify this situation promptly.

Violations : 1. Violation of FCRA Section 1681e ( a ) - XXXX XXXX : My account with XXXX  ( Account number : XXXX ) contains questionable information. The name and number associated with this account are unclear, violating the requirement for maximum accuracy. 
2. Violation of FCRA Section 1681i ( a ) - Dispute Process : My account with XXXX ( Account number : XXXX ) is unrecognizable to me, and I have requested an investigation to verify its accuracy. It is my right to dispute inaccurate information and receive a reasonable investigation.

3. Violation of FCRA Section 1681s-2 ( b ) - XXXX XXXX XXXX  : Accounts with XXXX XXXX XXXX ( Account number : XXXX ), XXXX ( Account number : XXXX ), XXXX ( Account number : XXXX XXXX XXXX XXXX  ( Account number : XXXX XXXX XXXX ( Account number : XXXX XXXX XXXX  ( Account number : XXXX XXXX XXXX ( Account number XXXX XXXX XXXX XXXX XXXX ( Account number : XXXX XXXX XXXX XXXX  ( Account number : XXXX ), XXXX XXXX XXXX ( Account numbers : XXXX, XXXX ), and XXXX ( Account number : XXXX ) have all inaccurately reported late payments. This reporting is entirely inaccurate and detrimental to my creditworthiness.

4. Violation of FCRA Section 605 ( h ) ( 1 ) and ( 2 ) - Address Discrepancy Rule : My credit report contains incorrect addresses ( XXXX XXXX XXXX XXXX XXXX  TX XXXX and XXXX XXXX XXXX TX XXXX ) that do not belong to me. These discrepancies need to be addressed and corrected immediately.

My story is not just one of financial inconvenience ; it is a narrative of perseverance in the face of adversity. These inaccuracies have denied me opportunities I worked hard for, such as securing a home loan at favorable terms, obtaining affordable car insurance, or even pursuing a new career. The emotional toll of battling these inaccuracies, coupled with the financial strain, has affected my well-being and the well-being of my family. 

In light of the violations and the profound impact on my life, I respectfully request that you take immediate action to enforce my legal rights. Specifically, I request that TransUnion LLC contacts the respective creditors associated with these accounts and ensures that they verify the accuracy of the reported information. If these accounts can not be verified as accurate and complete, I implore you to remove them from my credit report without delay.

I trust that TransUnion LLC, as one of the leading credit reporting agencies, will act with integrity and commitment to the principles of fairness and accuracy. My hope is that, by addressing these issues promptly and responsibly, we can restore the accuracy and integrity of my credit report and provide me with the fair and just financial standing I deserve. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

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