Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

18. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

19. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

20. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

21. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

22. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

23. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

24. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

25. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
26. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

27. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

28. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

29. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

30. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

31. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

32. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
33. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information. 
Failure to conduct a reasonable investigation into the disputed information within the required time frame. 
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report. 
Failure to provide verification and validation of debts. 
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.

Failure to notify all furnishers of disputed information.

Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.

Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.

Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.

Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame. 
I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations. 

Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information. 

As a consumer protected by federal and state laws, I expect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.

Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.

I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws. 

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