Consumer complaint received 2023-08-31
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 XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to lodge a formal dispute against multiple creditors for their blatant violations of critical consumer protection laws. The Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ) have all been disrespected, resulting in significant distress to my financial well-being and emotional state. 

Allow me to share my deeply personal experience, illustrating the profound impact these violations have had on my life. Over the past years, I have diligently strived to uphold a positive credit history, a task that has now become a tumultuous ordeal due to the actions of unscrupulous creditors. In my pursuit of a stable financial future, I discovered a series of unauthorized inquiries on my credit report. These unauthorized inquiries were carried out by various creditors, including : Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Unauthorized inquiry by XXXX XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Unauthorized inquiry by XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Unauthorized inquiry by XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Each unauthorized inquiry left me feeling violated and powerless, as my personal information was accessed without my explicit consent. The emotional distress brought upon by these violations has taken a heavy toll on my mental health, causing XXXX and anguish that permeate every aspect of my life. 

Adding to my struggles, I have encountered the grievous issue of inaccurate reporting of personal information on my credit report. Both XXXX XXXX and XXXX XXXX XXXX have irresponsibly reported incorrect addresses, a situation that has bred confusion and severely hindered my access to credit and financial services. Despite my persistent efforts to rectify these errors, my attempts have been met with frustration and despair. The constant battle against inaccurate reporting has drained me emotionally and exacerbated the challenges I face. 

Compounding my tribulations is the shocking revelation that XXXX XXXX XXXX has reported an unauthorized account ( Account Number : XXXX ) on my credit report. This unauthorized account reporting has marred my credit history, making it considerably harder for me to secure loans and financial opportunities. To add insult to injury, I never granted permission for this account to be reported, yet it continues to loom over my financial standing like a dark cloud. 

The scope of these violations is staggering, and I beseech the Consumer Financial Protection Bureau to step in and hold these creditors accountable for their disregard of consumer rights. I implore you to investigate the actions of these creditors thoroughly and invoke the full extent of the laws designed to safeguard consumers like myself. The pursuit of justice and resolution has become imperative, as these violations have left me emotionally scarred and financially unstable. 

With this in mind, I earnestly request your intervention in the following matters : Conduct a comprehensive investigation into the unauthorized inquiries made by XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX, in accordance with the FCRA. 
Rectify the inaccurate personal information reported by XXXX XXXX and XXXX XXXX XXXX on my credit report, as mandated by the FCRA ( FCRA Section 607 ). 
Demand the removal of the unauthorized account ( Account Number : XXXX ) reported by XXXX XXXX XXXX from my credit report, as required by the FCRA ( FCRA Section 605 ( a ) and Section 605B ). 
I wholeheartedly believe that the Consumer Financial Protection Bureau will advocate for justice and uphold the rights of consumers. Your intervention holds the potential to restore not only my peace of mind but also my financial stability, which has been unjustly compromised. 

I appreciate your attention to this matter and eagerly await your response. My hope remains strong for a swift and equitable resolution that reinstates my faith in consumer protection. Thank you for your dedication to upholding the principles of fairness and justice. 

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 explanation