Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to file a final dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by various creditors. I kindly request the CFPB 's assistance in enforcing my legal rights in this matter and seek redress for the profound impact these violations have had on my life. 

Account Information, Account Numbers, and Violations : XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX  ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX  ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX  ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX  XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXXXXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX  ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX  ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) These creditors have not only reported inaccurate account information but have also failed to verify and rectify these discrepancies, causing immense distress and harm to my financial well-being and personal life. 

Allow me to share the emotional toll these inaccuracies have taken on my life. As a single parent supporting XXXX children, my creditworthiness is critical for our financial stability. The inaccuracies on my credit report have impeded my ability to secure affordable housing, obtain reasonable interest rates on loans, and even find stable employment. 

I vividly remember the day when my application for a much-needed apartment was denied due to these erroneous entries on my credit report. My children and I were left without a home, and the uncertainty and XXXX we experienced were indescribable. This injustice has not only affected our housing but has also caused severe emotional distress, sleepless nights, and strained relationships. 

Furthermore, the inflated interest rates on loans I was forced to accept due to my tarnished credit history have burdened me with financial obligations that are difficult to meet. The stress of living paycheck to paycheck, struggling to make ends meet, and the constant fear of falling behind on bills have taken a toll on my mental and physical well-being. 

I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and FDCPA and compel these creditors to remove the unverified accounts from my credit report. This action is not only necessary for my financial recovery but also for the well-being and future opportunities of my children. 

Thank you for your attention to this matter. I eagerly await your response and resolution to this ongoing issue. 

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