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 is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report and to request enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). The violations I am addressing have had a significant and distressing impact on my life, and I am seeking resolution and justice through your intervention. 

Upon careful examination of my credit report, I have identified several instances where creditors have violated the Fair Credit Reporting Act ( FCRA ) and other relevant laws. The following are the specific violations that have caused grave harm to my financial well-being and emotional state : XXXX XXXX ( Account Number : XXXX ) : Violation : Inaccurate reporting of a late payment. 
FCRA Section : 623 ( a ) ( 2 ) - Duty to Correct and Update Information. 
XXXX XXXX ( Account Number : XXXX ) : Violations : Reporting incorrect account information ( high balance, last activity date ).

Reaging accounts without proper notice.

Reinsertion of removed information without proper notice.

Reporting undated late payment.

Listing a charge-off as open.

Reporting a collection account with a limit.

FCRA Sections : 603, 607 ( b ), 611, 623 ( a ) ( 6 ), 623 ( a ) ( 8 ), 623 ( a ) ( 9 ), 623 ( a ) ( 11 ) - Accuracy and Integrity of Information. 
XXXX 's ( Account Number : XXXX ) : Violation : Inaccurate reporting of a late payment. 
FCRA Section : 623 ( a ) ( 2 ) - Duty to Correct and Update Information.

TRACG/CBNA ( Date of Inquiry : XX/XX/XXXX ) : Violation : Unauthorized inquiry without consent. 
FCRA Section : 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible Purposes of Consumer Reports.

Credit Management ( Account Number : XXXX ) : Violations : Reporting incorrect account information ( high balance, last activity date ).

Reaging accounts without proper notice.

Reinsertion of removed information without proper notice.

Reporting undated late payment.

Listing a charge-off as open.

Reporting a collection account with a limit.

FCRA Sections : 603, 607 ( b ), 611, 623 ( a ) ( 6 ), 623 ( a ) ( 8 ), 623 ( a ) ( 9 ), 623 ( a ) ( 11 ) - Accuracy and Integrity of Information. 
XXXX XXXX XXXX ( Date of Inquiry : XX/XX/XXXX ) : Violation : Unauthorized inquiry without consent. 
FCRA Section : 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible Purposes of Consumer Reports.

Santander Consumer USA ( Account Number : XXXX ) : Violations : Reporting incorrect account information ( high balance, last activity date ).

Reaging accounts without proper notice.

Reinsertion of removed information without proper notice.

Reporting undated late payment.

Listing a charge-off as open. 
Reporting a collection account with a limit. 
FCRA Sections : 603, 607 ( b ), 611, 623 ( a ) ( 6 ), 623 ( a ) ( 8 ), 623 ( a ) ( 9 ), 623 ( a ) ( 11 ) - Accuracy and Integrity of Information.

These violations have not only caused significant financial setbacks but have also had a profound emotional impact on my life. The stress, frustration, and sense of injustice I have experienced are immeasurable. These inaccuracies have prevented me from accessing fair lending terms, securing suitable housing, and pursuing employment opportunities.

I humbly request that the Consumer Financial Protection Bureau take decisive action to rectify these violations. I ask that the aforementioned creditors remove the unverified accounts from my credit report, correct the inaccuracies promptly, and provide written confirmation of these corrective actions.

My personal story reflects the genuine hardships caused by these violations. The emotional toll I have endured can not be overstated, and I trust that the Consumer Financial Protection Bureau will stand for justice and fairness in this matter.

Please do not hesitate to reach out to me should you require any additional information or documentation to expedite the resolution of my dispute. Your intervention in this matter is deeply appreciated. 

Thank you for your time, attention, and commitment to upholding consumer rights. 

Sincerely, XXXX 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