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 XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Creditor Information and Violations : Creditor Name : XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ), which requires accurate and verifiable information for maintaining the integrity of credit reports. 

Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting The account information reported by XXXX XXXX XXXX, with account number XXXX, inaccurately reflects late payments. This reporting is completely inaccurate and is adversely affecting my credit. This violation contravenes FCRA Section 607 ( a ) ( 3 ) ( B ), which requires accurate reporting of credit information. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX XXXX XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX XXXX Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX XXXX account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ). 

Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ). 

Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ). 

Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ). 

Creditor Name : XXXX Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX, account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ). 

Creditor Name : XXXX RE Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX XXXX, account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ). 

Creditor Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX / XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ). 

Violation : Incorrect Personal Information The following address is incorrect on my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This address is not correct and should be deleted from my report in accordance with FCRA Section 607 ( d ).

Personal Impact : To illustrate the significant impact of these inaccuracies, I would like to share a personal story. Several months ago, I applied for a mortgage to purchase my first home. The inaccuracies in my credit report, particularly the unverified account information, resulted in a lower credit score than I deserved. As a result, my mortgage application was denied, and I lost the opportunity to secure the home that held so much promise for my family 's future. The emotional distress and financial setback caused by these inaccuracies have been overwhelming.

Resolution Request : I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA and take appropriate action to address the violations outlined above. Specifically, I ask that you ensure the removal of the unverified account entries and unauthorized inquiries mentioned above from my credit report. This action is necessary to restore the accuracy and integrity of my credit report and to prevent further negative impacts on my financial well-being.

I appreciate your prompt attention to this matter and your dedication to upholding consumer rights. I am hopeful that your intervention will lead to a resolution that corrects the inaccuracies on my credit report and prevents similar situations for other consumers.

Thank you for your time and consideration. 

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