Consumer complaint received 2023-08-28
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance in addressing these legal violations to restore the accuracy and integrity of my credit report. 

The violations I am disputing are as follows : Incorrect Reporting of Personal Information : Violation : FCRA Section 605B - Accuracy of Reportings Explanation : The previous addresses listed on my credit report are incorrect, as outlined below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, PA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX These erroneous addresses have led to confusion and adversely affected my financial opportunities, such as obtaining loans or housing. I urge the immediate removal of these inaccurate addresses from my report. 
Unauthorized Inquiries : Violation : FCRA Section 604 - Permissible purposes of consumer reports Explanation : I have encountered several unauthorized inquiries, including : XXXX XXXX ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
COAF ( 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 ( 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 ( 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 ( 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 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 ( 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 ( XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
These inquiries were conducted without my knowledge or consent, resulting in unwarranted negative impacts on my credit standing. I demand the removal of these unauthorized inquiries from my credit report. 
Questionable Account Reporting : Violation : FCRA Section 607 - Responsibilities of furnishers of information to consumer reporting agencies Explanation : An account attributed to " XXXX '' with account number XXXX is present on my credit report. The credibility of this account 's information is in question, and I have received no clarification or verification concerning its accuracy. I request either verification or the immediate removal of this account from my credit report. 
Inaccurate Account Reporting : Violation : FCRA Section 607 - Responsibilities of furnishers of information to consumer reporting agencies Explanation : The account associated with XXXX XXXX, with account number XXXX, has been inaccurately reported to indicate a history of late payments. This erroneous reporting is adversely affecting my credit score and financial prospects. I assert that this account has never been paid late to the best of my knowledge. I demand the prompt rectification of this inaccurate information and request the removal of the derogatory reporting. 
The consequences of these violations extend beyond mere financial concerns. For instance, the impact of these inaccuracies on my ability to secure favorable interest rates for important financial transactions, such as home mortgages, has been distressing. The emotional toll of this situation can not be understated, as it has strained my mental and emotional well-being, creating a profound disruption in my personal and family life. 

I respectfully request the Consumer Financial Protection Bureau 's intervention in enforcing the legal safeguards established by the Fair Credit Reporting Act. I seek the following actions to address these violations : Immediate removal of the inaccurately reported previous addresses from my credit report. 
Thorough investigation and removal of the unauthorized inquiries made by the mentioned creditors. 
Verification or removal of the account labeled as " XXXX '' with account number XXXX. 
Rectification of the inaccurately reported payment history for the XXXX XXXX account ( account number XXXX ). 
I implore you to expedite a resolution to this matter, as its impact on my life has been profound. Your intervention is instrumental in restoring my financial stability, emotional well-being, and overall quality of life. 

I appreciate your attention to this dispute and look forward to a timely resolution. 

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