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, California XXXX Date of Birth : XX/XX/2001 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. The discrepancies and violations I have encountered in my credit reports are profoundly affecting my financial stability and overall quality of life. 

I am no stranger to the hardships that life can bring, but I am determined to provide a stable and secure future for my family. My journey, however, has been marred by the inaccurate reporting and unjust practices of creditors, leading to a seemingly insurmountable uphill battle. I have faced numerous challenges, but the violations outlined below have pushed me to the brink. 

Inaccurate Reporting of Payment History by XXXX XXXX and XXXX : As a diligent consumer, I reviewed my credit reports meticulously, only to discover that both XXXX XXXXXXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ) have inaccurately reported late payment history on these accounts. The dream of purchasing a home for my family, a symbol of stability and security, has been indefinitely deferred due to the adverse credit terms I am now facing. These inaccuracies have not only impacted my creditworthiness but have also eroded my sense of hope and emotional well-being.

Violation : Reporting inaccurate information regarding the payment history of accounts.

Applicable Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). 
Failure to Note Disputed Account by XXXX XXXX XXXX : XXXX XXXX XXXX  ( Account Number : XXXX ) has neglected to acknowledge that this account was in dispute within the mandated 30-day period. This oversight, a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), has not only intensified my frustration but has shattered my belief that my rights as a consumer would be upheld. 

Violation : Failing to note that account XXXX was in dispute within the stipulated 30-day period.

Applicable Law : Fair Debt Collection Practices Act ( FDCPA ) Relevant Section : Section 807 ( 8 ) of the FDCPA ( 15 U.S. Code 1692e ( 8 ) ).

Unauthorized Credit Inquiries : My privacy has been invaded by numerous unauthorized credit inquiries, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The anxiety and fear of potential identity theft, coupled with the violation of my personal space, have left me feeling exposed and vulnerable. 

Violation : Unauthorized credit inquiries without permissible purpose.

Applicable Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 604 of the FCRA ( 15 U.S. Code 1681b ).

These violations of the FCRA, FDCPA, and related laws have taken a severe toll on my emotional and mental well-being. The stress, XXXX and sleepless nights I endure have become a constant reminder of the uphill battle I am facing. The vision I had for providing stability and security for my family has been clouded by circumstances beyond my control.

In light of these violations, I respectfully request your prompt intervention to rectify these issues and enforce my legal rights. Specifically, I implore you to ensure the following actions are taken : XXXX XXXX and XXXX must rectify their inaccurate reporting of payment history on accounts XXXX and XXXX to restore my creditworthiness. 
XXXX XXXX XXXX must amend their record to accurately reflect that account XXXX was in dispute within the stipulated 30-day period, as required by the FDCPA. 
All unauthorized credit inquiries, as mentioned above, must be promptly removed from my credit reports to restore my privacy and protect me from potential identity theft. 
In conclusion, I would like to emphasize the emotional turmoil and distress these violations have caused me. I urge you to use your authority to ensure that creditors and credit reporting agencies adhere to the law and protect consumers like me. I appreciate your time and consideration and look forward to your prompt response and resolution of these issues. 

Thank you for your dedication to upholding consumer rights and promoting fairness in the financial system. 

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