Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information and unauthorized inquiries present on my credit report. I believe that the following violations have occurred, and I kindly request the CFPB 's assistance in enforcing my legal rights to correct these errors. 

1. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 2. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 3. Unverified Account : Creditor : XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 4. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX XXXX XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 5. Unverified Account : Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 6. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 7. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 8. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX  Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 9. Inaccurate Reporting ( Credit Reporting Errors ) : Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 611, 623 10. Unauthorized Inquiry : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 11. Unauthorized Inquiry : Creditor : XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 12. Unauthorized Inquiry : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 13. Unauthorized Inquiry : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 14. Unauthorized Inquiry : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 15. Unauthorized Inquiry : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Violation of the Fair Credit Reporting Act ( FCRA ) Relevant Sections : FCRA Sections 604, 606 These violations have had a profound impact on my financial well-being and overall quality of life. Allow me to illustrate the emotional turmoil through a personal story : Years of meticulous financial planning and responsible behavior were dedicated to achieving a secure future for myself and my loved ones. Despite this commitment, the inaccuracies present on my credit report have subjected me to unwarranted financial setbacks and hardships. For instance, my efforts to secure essential credit opportunities have been met with unjust denials due to the damaging effects of erroneous information. 

The inaccuracies introduced by the listed creditors have not only tarnished my creditworthiness but have also hindered my aspirations to provide a stable home for my family and ensure a quality education for my children. The distressing emotions of helplessness and frustration have become constant companions as I struggle to rectify this unjust situation. 

In light of these challenges, I kindly request the CFPB 's intervention to enforce my legal rights and rectify the violations listed above. The Fair Credit Reporting Act ( FCRA ) explicitly outlines the responsibilities of creditors and credit reporting agencies in maintaining accurate and reliable credit information. By addressing these violations, the CFPB can restore fairness to the credit reporting process and grant me the opportunity to rebuild the secure financial future I have worked so diligently to attain. 

I respectfully urge the CFPB to work expeditiously in ensuring that the erroneous accounts are either updated with accurate information or removed entirely from my credit report. Your intervention will not only rectify my personal financial challenges but will also contribute to safeguarding the rights of consumers who face similar difficulties. 

I appreciate your dedication to upholding consumer rights and fostering fairness within the financial industry. Thank you for your attention to this matter. 

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