Consumer complaint received 2023-08-25
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, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and address several violations that have had a profound impact on my financial well-being and personal life. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my legal rights and rectify these unjust actions. 

Violation Details : XXXX ( Account Number : XXXX ) : Violation : Under 15 USC 1666B , billing error claim due to always paid as agreed on time.

Specific Law : 15 USC 1666b - Billing Error Resolution ( Subsection ( b ) ). 

XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX XXXX XXXX ( Account Number : XXXX ) : Violation : Under 15 USC 1666B, billing error claim due to always paid as agreed on time. 
Specific Law : 15 USC 1666b - Billing Error Resolution ( Subsection ( b ) ). 

XXXX ( Account Number : XXXX ) : Violation : Under 15 USC 1666B , billing error claim due to always paid as agreed on time.

Specific Law : 15 USC 1666b - Billing Error Resolution ( Subsection ( b ) ). 

XXXX  XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX  XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX  XXXX ( XXXX Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX ( Account Number : XXXX ) : Violations : Account involved in litigation, incorrect high balance, inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' undated late payment, charge off listed as open, collection account with a limit. 
Specific Laws : FCRA - Sections 603, 605, 607, 623, 624, 623. 

XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX ( XXXX Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX XXXX, XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX ( Inquiry Date : XX/XX/XXXX ) : Violation : Unauthorized inquiry. 
Specific Law : FCRA - Section 604 - Permissible purposes of consumer reports. 

XXXX XXXX XXXX ( Account Number : XXXX ) : Violation : Under 15 USC 1666B, billing error claim due to always paid as agreed on time.

Specific Law : 15 USC 1666XXXX - Billing Error Resolution ( Subsection ( b ) ). 

XXXX ( Account Number : XXXX ) : Violations : Account involved in litigation, incorrect high balance, inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' undated late payment, charge off listed as open, collection account with a limit. 
Specific Laws : FCRA - Sections 603, 605, 607, 623, 624, 623.

Personal Story : These violations have not only affected my financial stability but have also caused immense emotional distress. I vividly recall the day when I first discovered the inaccuracies on my credit report. As I reviewed the discrepancies, a sense of helplessness overcame me, knowing that these errors were tarnishing my financial reputation that I had worked tirelessly to maintain. The unauthorized inquiries and inaccuracies in account information have impacted my ability to secure loans at reasonable interest rates, hampering my dreams of providing a better life for my family. 

Imagine the feeling of being denied a housing opportunity because of false account information or receiving higher interest rates on a loan due to unauthorized inquiries. This is not just a matter of numbers and credit scores ; it's a real-life struggle that has taken a toll on my mental and emotional well-being.

Request for Resolution : I implore the Consumer Financial Protection Bureau to enforce the Fair Credit Reporting Act and ensure that the credit reporting agencies and creditors rectify these violations promptly. Specifically, I kindly request the following actions : Thorough investigation and rectification of all inaccuracies in account information and unauthorized inquiries as per the FCRA. 

Removal of all unverified accounts, including those with incorrect high balances, inaccurate dates of last activity, and accounts involved in litigation, from my credit report. 

I believe in the fairness and integrity of the credit reporting system, and I trust that the Consumer Financial Protection Bureau will champion my cause to restore accuracy and justice to my credit profile. 

Thank you for your time and attention to this matter. I eagerly await a swift and satisfactory resolution. 

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