Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to formally dispute several items on my credit report, and I kindly request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). The inaccuracies in my credit report have had a profound and deeply emotional impact on my life, affecting my financial stability, emotional well-being, and overall quality of life. 

XXXX  XXXX Bankruptcy : XXXX XXXX : XXXX Violation : Reporting inaccurate information on my credit report. 
Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes. 
Unauthorized Credit Inquiries : Violation : Unauthorized credit inquiries. 
The following creditors made unauthorized credit inquiries, violating my privacy and causing unnecessary XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Relevant Laws : FCRA Section 1681b : Outlines permissible purposes for accessing a consumer 's credit report. 
FCRA Section 1681n : Allows consumers to seek damages for willful violations of the FCRA. 
Questionable Account with XXXX : Violation : Reporting questionable account information. 
Account Number : XXXX Relevant Laws : FCRA may apply to issues related to the accuracy of reported account information. 
Inaccurate Reporting for XXXX XXXX : Violation : Reporting inaccurate payment history. 
Account Number : XXXX Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes. 
Incorrect Personal Information : Violation : Reporting incorrect personal information. 
Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Correct Address : [ Your Correct Address ] Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes. 
In light of the emotional and financial toll these inaccuracies have taken on my life, I kindly request the following actions : Enforce Legal Rights : I ask the Consumer Financial Protection Bureau to diligently investigate these violations of the FCRA and any other relevant laws. It is my hope that the CFPB can ensure that my rights under these laws are fully enforced. 

Removal of Unverified Accounts : I implore the creditors listed above to promptly and completely remove the unverified and inaccurate accounts from my credit report. These accounts have caused undue hardship, and their presence has hindered my ability to secure financial stability and move forward with my life. 

I would like to express my sincere gratitude for your attention to this matter. These inaccuracies have taken an immeasurable toll on my life, and I hope that the CFPB can help rectify this situation so that I may rebuild my financial well-being and regain control of my future. 

Thank you for your time and consideration. 

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