Consumer complaint received 2023-09-01
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, MO XXXX SSN : XXXX XXXX : XX/XX/1988 Dear TransUnion Consumer Relations, I am writing to formally dispute the accuracy of information in my credit report, as well as to request the removal of unverified accounts that have adversely affected my creditworthiness and overall well-being. I kindly request your assistance in addressing the violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws by the creditors associated with these accounts. 

Account Information and Violations : XXXX # XXXX : ** Violations : FCRA Sections : 1681e ( a ), 1681i, 1681s-2 ( a ) Violations : Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history. 

XXXX / XXXX Account # XXXX : Violations : FCRA Sections : 1681e ( a ), 1681i, 1681s-2 ( a ) Violations : Reporting a charged-off account as a loss without verifying the accuracy ( " Profit and loss write-off '' ), providing misleading payment information, inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), and inaccurately representing account status. 

XXXX XXXX XXXX Account # XXXX : ** Violations : FCRA Sections : 1681e ( a ), 1681i, 1681s-2 ( a ) Violations : Reporting inaccurate collection status ( " Placed for collection '' ), failing to provide accurate details of the original creditor, and discrepancies between open and closed status. 

XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX, MO XXXX. Our records indicate a potential discrepancy or inaccuracy in the address provided, which has resulted in the issuance of a special violation notice. 

These inaccuracies have not only impacted my financial life but have also taken an emotional toll on my overall well-being. The weight of this situation came crashing down when I experienced the devastating consequences firsthand. Picture this : I stood before the house of my dreams, heart pounding with excitement, as I imagined creating a loving home for my family. However, my dreams were shattered when my mortgage application was denied due to these inaccurate accounts on my credit report. The feeling of helplessness and frustration overwhelmed me as I realized that the information on my report did not reflect my true financial responsibility. 

This incident serves as a haunting reminder of the far-reaching effects of these inaccuracies. Beyond the financial implications, the emotional strain and constant stress have impacted my peace of mind and confidence in navigating life 's opportunities. 

Request : I am reaching out to TransUnion Consumer Relations with a sincere request for assistance. I ask that you exercise your authority to enforce the relevant laws and regulations to address these violations promptly. I kindly urge TransUnion to advocate on my behalf and ensure that the creditors involved thoroughly investigate these inaccuracies and discrepancies. Additionally, I respectfully request that TransUnion work towards the removal of the unverified accounts mentioned above, restoring my creditworthiness and enabling me to move forward without the burden of these inaccuracies. 

Your intervention will not only provide relief from this unjust situation but will also demonstrate the critical role that TransUnion plays in upholding consumers ' rights and fostering financial well-being. 

Thank you for your attention to this matter. I await your prompt response and resolution of this dispute. 

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