Consumer complaint received 2023-09-04
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute multiple violations of consumer protection laws by several creditors. I respectfully request your assistance in enforcing my legal rights and addressing the severe financial and emotional hardships these violations have imposed on my life. 

Violation 1 : XXXX : Account number : XXXX Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) - Responsibilities of furnishers of information to consumer reporting agencies. 
Section 1681s-2 ( b ) - Duties of furnishers after receiving notice of dispute. 
Section 1681i - Procedure in case of disputed accuracy. 
Violation 2 : XXXX XXXX : Account number : XXXX Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) - Responsibilities of furnishers of information to consumer reporting agencies.

Section 1681s-2 ( b ) - Duties of furnishers after receiving notice of dispute.

Section 1681i - Procedure in case of disputed accuracy. 
Violation 3 : XXXX XXXX  : Account number : XXXX Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) - Responsibilities of furnishers of information to consumer reporting agencies.

Section 1681s-2 ( b ) - Duties of furnishers after receiving notice of dispute.

Section 1681i - Procedure in case of disputed accuracy. 
Violation 4 : XXXX : Account number : XXXX Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) - Responsibilities of furnishers of information to consumer reporting agencies.

Sect

ion 1681s-2 ( b ) - Duties of furnishers after receiving notice of dispute. Section 1681i - Procedure in case of disputed accuracy. 
Violation 5 : XXXX XXXX | XX/XX/XXXX : Account number : N/A Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) - Responsibilities of furnishers of information to consumer reporting agencies.

Section 1681s-2 ( b ) - Duties of furnishers after receiving notice of dispute.

Section 1681i - Procedure in case of disputed accuracy.

These violations have had a profound impact on my life, and I'd like to share a personal story to illustrate the extent of this impact. I am a single parent who has diligently worked to provide for my family and secure a stable future for my children. A few years ago, my life took an unexpected turn when a family member fell critically ill, leading to unforeseen medical expenses.

Despite my best efforts, I struggled to manage these financial burdens, which eventually affected my creditworthiness. To rebuild my financial stability, I turned to the credit reporting system. However, the presence of inaccurate and unverified accounts on my credit report has been an ongoing obstacle. These erroneous entries have prevented me from obtaining a car loan at a reasonable interest rate, impeding my ability to commute to work and ensure my children 's access to school and extracurricular activities.

The consequences extend beyond my immediate needs. My aspirations of providing my children with a secure home and a quality education have been delayed due to the higher interest rates I am forced to accept because of these unjustifiable marks on my credit report. This situation has also caused significant emotional distress, as I constantly worry about our financial future and the opportunities that my children may miss out on.

I respectfully request that you enforce my legal rights in this matter by compelling the creditors to remove these unverified accounts from my credit report. Doing so will not only provide much-needed financial relief but also allow me to secure a better future for my children.

I believe in the importance of accurate and fair credit reporting and trust in the CFPB 's mission to protect consumers. I kindly request a thorough investigation into these violations and the necessary actions to rectify the injustices I have faced.

Thank you for your attention to this matter. I am hopeful that your intervention will help alleviate the burdens that have weighed heavily on my family and me. I eagerly await your response and a resolution that will enable us to move toward a more stable and prosperous future. 

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