Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1992 SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of consumer protection laws that have severely impacted my financial well-being and personal peace of mind. I have found myself ensnared in a web of unauthorized credit inquiries, unverified accounts, and inaccuracies on my credit report, causing me substantial distress and detriment. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the full weight of the law and rectify these violations promptly. 

My journey with these violations began when I discovered unauthorized inquiries on my credit report. The invasive credit pulls by entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have compromised my privacy and financial stability. These inquiries were conducted without my consent, eroding my trust in the very institutions that should safeguard my sensitive information. 

Beyond these unauthorized inquiries, I have encountered unverified accounts that have left me emotionally and financially distressed. The accounts associated with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have materialized as shadows from the unknown, haunting my credit report without proper verification or explanation. Their presence continues to cast a dark cloud over my financial prospects, impacting my ability to secure loans, obtain favorable interest rates, and achieve life goals. 

In addition to the unauthorized inquiries and unverified accounts, I have endured the torment of inaccurate personal information on my credit report. False previous addresses at XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX, XXXX XXXX, CA XXXX have tainted my credit history, causing confusion and concern in my personal and professional life. Such inaccuracies reflect a blatant disregard for the importance of accurate credit reporting and have further perpetuated the cycle of distress. 

Allow me to share my personal story to shed light on the profound impact of these violations on my life. As a dedicated individual who values financial responsibility and strives for a secure future, these violations have thrown me into a state of turmoil. The unauthorized inquiries have not only made me feel like my personal boundaries have been violated but have also caused tangible damage by lowering my credit score and limiting my opportunities. The unverified accounts have left me feeling powerless and overwhelmed, as they contribute to a narrative that doesn't accurately represent my financial history and responsible behaviors. Moreover, the inaccuracies in my personal information have complicated my interactions with financial institutions, employers, and potential landlords, creating unnecessary barriers in my pursuit of stability and success. 

In light of these violations and the personal turmoil they have caused, I urge the CFPB to take swift and decisive action. I request that you enforce the legal rights established under the Fair Credit Reporting Act ( FCRA ) and its relevant sections, such as the protections against unauthorized inquiries ( Section 604 ) and the provisions for accurate reporting and investigation ( Sections 605 and 611 ). Furthermore, I seek your assistance in compelling the relevant creditors and credit reporting agencies to promptly remove the unauthorized inquiries, unverified accounts, and inaccurate personal information from my credit report. 

I implore the CFPB to recognize the urgency of this matter and the emotional toll it has taken on my life. The power to restore my financial integrity and emotional well-being lies within the realm of your expertise, and I trust that you will undertake the necessary steps to ensure justice is served. I kindly request that you keep me informed of the progress and actions taken in resolving this dispute. 

Thank you for your attention to this critical matter. I am hopeful that, with your intervention, I can finally find the relief and resolution I so desperately need. 

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