Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/1994 To Whom It May Concern, I am writing to formally dispute and request enforcement of my legal rights in relation to inaccuracies and unverified information on my credit report. The following accounts have been reported with errors that have had a negative impact on my creditworthiness : XXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), Failure to Verify Information DPT EDXXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments XXXX XXXX - Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ( b ) ), False Updating ( FCRA Section 1681i ( a ) ), Unsubstantiated Late Payments The errors and unverified information associated with these accounts have not only caused financial distress but have also had a profound impact on my overall well-being. I have faced considerable emotional stress due to these violations. I am sharing a personal story that illustrates the extent of the harm caused by these inaccuracies. 

A few years ago, I embarked on the journey of securing a mortgage to provide my family with a stable and comfortable home. To my dismay, I discovered inaccuracies on my credit report, including unverified payment statuses, balances, comments, and payment history. These errors hindered my progress and financial aspirations, leaving me frustrated and emotionally drained. The emotional toll of these inaccuracies has been significant, affecting my family 's future plans and our peace of mind. 

I urge the Consumer Financial Protection Bureau to uphold my legal rights under the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws. The violations committed by the creditors have not only damaged my financial stability but also inflicted emotional harm. I respectfully request the following actions : XXXX thorough investigations into the inaccuracies associated with each account, as detailed above. 
Enforce the relevant provisions of the FCRA, such as Section 1681e ( b ) and Section 1681i ( a ), to ensure accurate reporting, timely corrections, and verification of information by the creditors. 
Facilitate the removal of unverified and inaccurate accounts from my credit report to restore my financial reputation and provide an equitable assessment of my creditworthiness. 
I sincerely hope that the Consumer Financial Protection Bureau recognizes the urgency of addressing these violations and ensuring the protection of consumers ' rights. The journey to rectify these issues has been fraught with stress, uncertainty, and frustration. By taking decisive action, you can contribute to the resolution of my financial difficulties and alleviate the emotional distress I have experienced. 

Thank you for your time and consideration of this matter. I eagerly await your response and the resolution of these disputes. 

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