Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX North XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB Team, I am writing to formally dispute several items on my credit report, seeking your intervention and assistance in resolving these matters in accordance with the law. My interactions with the credit reporting agencies and creditors have been disheartening, and I implore the CFPB to enforce the legal protections in place to safeguard consumers ' rights. 

Violations : Unauthorized Inquiries : I have discovered unauthorized credit inquiries on my report, including those by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) These inquiries were conducted without my consent, infringing upon my right to control who accesses my credit information. 

Laws Violated : Violations of unauthorized inquiry restrictions under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( c ) ( 15 U.S.C. 1681b ( c ) ).

Incorrect Personal Information : My previous address, inaccurately listed as XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has never been associated with me. Its presence on my report negatively impacts my creditworthiness and reflects inaccurate reporting practices. 

Laws Violated : Violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the accuracy and completeness of consumer information, specifically Section XXXX ( XXXX U.S.C. 1681e ). 

Unverified Account : An account with XXXX XXXX ( Account Number : XXXX ) has been reported with questionable information. Despite my efforts, the account details remain unclear and unverified. 

Laws Violated : Potential violations of the Fair Credit Reporting Act ( FCRA ) regarding the investigation and correction of inaccurate information, as per Section 611 ( 15 U.S.C. 1681i ).

Personal Story : Allow me to share a personal story that underscores the profound impact these violations have on an individual 's life. Imagine a person striving to secure a better future for their family. This person has diligently worked towards maintaining a respectable credit history, only to be blindsided by unauthorized inquiries, inaccurate personal information, and unverified accounts. These violations have caused stress, anxiety, and sleepless nights. Vital opportunities for securing affordable loans, housing, and employment have been compromised due to the unjust actions of these creditors. This isn't just a matter of numbers on a credit report ; it's a narrative of shattered dreams, unwarranted hardships, and emotional turmoil that no individual should endure. 

Request for Resolution : In light of the aforementioned violations, I kindly request the following actions to be taken : Conduct a thorough investigation into the unauthorized inquiries and ensure that these unauthorized access points are promptly removed from my credit report. 

Rectify the inaccurate personal information by promptly removing the incorrect address associated with my report. 

Enforce my right to have unverified and questionable account information, such as the XXXX XXXX account ( Account XXXX : XXXX ), removed from my credit report, until such information is verified and validated. 

I firmly believe in the importance of consumer rights protection, and I trust that the Consumer Financial Protection Bureau will stand as a beacon of hope for individuals facing unjust financial practices. 

Thank you for your attention to this matter. Your timely intervention can provide not only resolution for my case but also contribute to the protection and empowerment of countless other consumers facing similar challenges. 

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