Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized inquiries on my credit report, as well as to address potential violations of the Fair Credit Reporting Act ( FCRA ) by the creditors involved. These issues have significantly impacted my financial standing and well-being. I kindly request your intervention to address these concerns and ensure that my rights under the law are upheld. 

Unauthorized Inquiries : XXXX. **Creditor Name** : XXXX XXXX of XXXX : XX/XX/XXXX **Violation** : Unauthorized credit inquiry without my consent. 

XXXX. **Creditor Name** : XXXX XXXX of XXXX : XX/XX/XXXX **Violation** : Unauthorized credit inquiry without my consent. 

Creditor Details and Violations : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX **Violation** : Potential violation of FCRA Sections XXXX and XXXX. 

XXXX. **Creditor Name** : XXXX XXXX **Account Number** : XXXX **Violation** : Potential violation of FCRA Sections XXXX and XXXX. 

XXXX. **Creditor Name** : XXXX XXXX  **Account Number** : XXXX **Violation** : Potential violation of FCRA Sections XXXX and XXXX. 

XXXX. **Creditor NameXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX **Violation** : Potential violation of FCRA Sections XXXX and XXXX. 

**Details of Violations and Personal Impact : ** In reviewing my credit report, I have encountered several concerning issues that require immediate attention. Firstly, I have identified unauthorized inquiries on my credit report from XXXX on the dates of XX/XX/XXXX and XX/XX/XXXX. I have no recollection of granting authorization for these credit pulls, and I vehemently demand that these unauthorized inquiries be promptly removed. 

Furthermore, several accounts listed on my credit report under various creditors have raised doubts about their legitimacy. Notably, accounts attributed to XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have come to my attention. The account details provided are questionable, and I am left uncertain about the accuracy and legitimacy of these entries. 

I believe that these situations may constitute violations of my rights under the Fair Credit Reporting Act, particularly the following sections : XXXX. **Section** : Fair Credit Reporting Act ( FCRA ) - **Subsection** : 1681s-2 - **Violation** : Failure to conduct a reasonable investigation of disputed information. 

XXXX. **Section** : Fair Credit Reporting Act ( FCRA ) - **Subsection** : 1681i - **Violation** : Failure to provide accurate information and properly investigate disputes. 

**Resolution Request : ** I respectfully urge the Consumer Financial Protection Bureau to exercise its authority in addressing these matters. Specifically, I request that the unauthorized inquiries conducted by XXXX be expeditiously removed from my credit report. 

Furthermore, I implore the Bureau to facilitate the correction of the aforementioned questionable accounts. Whether through clarifying the accuracy of the provided information or removing these entries altogether, I seek a resolution that upholds the principles of fairness and accuracy laid out by the Fair Credit Reporting Act. 

As I navigate the emotional and financial stress brought about by these discrepancies, I place my trust in the Consumer Financial Protection Bureau to guide me toward a just resolution. 

Thank you for your dedicated attention to these concerns. I anticipate your response and guidance on the necessary steps to rectify these issues. 

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