Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX 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