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 XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined below. I kindly request that you enforce legal remedies to address these violations and seek a resolution that will rectify the damage caused by their actions. My personal experience highlights the significant impact of these violations on my life, and I urge you to address this matter promptly. 

XXXX. **Unauthorized Inquiries** : a. XXXX ( Inquiry Date : XX/XX/XXXX ) : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
- Violation : Unauthorized Inquiry - FCRA Violation : Section 604 - Permissible purposes of consumer reports b. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
- Violation : Unauthorized Inquiry - FCRA Violation : Section 604 - Permissible purposes of consumer reports c. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
- Violation : Unauthorized Inquiry - FCRA Violation : Section 604 - Permissible purposes of consumer reports d. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
- Violation : Unauthorized Inquiry - FCRA Violation : Section 604 - Permissible purposes of consumer reports 2. **Incorrect Account Information** : a. XXXX ( Account Number : XXXX ) : Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
- Violation : Incorrect Account Information - FCRA Violation : Section 607 - Compliance Procedures b. XXXX ( Account Number : XXXX ) : Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
- Violation : Incorrect Account Information - FCRA Violation : Section 607 - Compliance Procedures c. XXXX XXXX ( Account Number : XXXX ) : Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
- Violation : Incorrect Account Information - FCRA Violation : Section 607 - Compliance Procedures dXXXX XXXX XXXX ( Account Number : XXXX ) : Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 
- Violation : Incorrect Account Information - FCRA Violation : Section 607 - Compliance Procedures 3. **Unrecognized Account** : a. XXXX XXXX ( Account Number : XXXX ) : I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 
- Violation : Unrecognized Account - FCRA Violation : Section 611 - Procedure in case of disputed accuracy My personal story underscores the emotional turmoil caused by these violations. The unauthorized inquiries and questionable accounts have left me feeling helpless and anxious about my financial standing. The burden of addressing these issues has consumed a substantial amount of my time and energy, taking away from my ability to focus on my personal and professional life. The mere thought of these inaccuracies affecting my future financial opportunities has caused sleepless nights and unwarranted stress. 

In light of these violations and the toll they have taken on my well-being, I earnestly request your intervention to rectify the situation. I urge you to enforce the FCRA provisions to hold these creditors accountable for their actions and ensure the removal of unauthorized inquiries, inaccurate account information, and unverified accounts from my credit report. 

I appreciate your attention to this matter and anticipate your swift response. Please keep me updated on the progress of this dispute and any actions taken to address the violations. I thank you for your time and assistance in resolving this distressing situation. 

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