Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have egregiously impacted my credit report, resulting in significant emotional distress and financial setbacks. I am seeking your urgent intervention to rectify these violations in accordance with the applicable laws, thereby restoring fairness and accuracy to my credit history. 

The violations, along with the respective account details, are as follows : XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report. 
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
NAME : XXXX XXXX XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This is not my name. Delete it immediately from my report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX  Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
These violations have had a profound and distressing impact on my life. The inaccuracies and unauthorized inquiries on my credit report have not only hindered my ability to secure loans and credit, but they have also created a constant state of anxiety and concern. It is a daily struggle to navigate financial matters with the weight of these errors and discrepancies. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal provisions that safeguard consumers like myself. I am requesting the following actions : Conduct a thorough investigation into each of the violations mentioned above. 
Ensure that the creditor provides documented verification of the accounts in question. 
Enforce the relevant provisions of the Fair Credit Reporting Act ( FCRA ) to rectify the inaccuracies and unauthorized inquiries promptly. 
In cases where the accounts can not be verified, require the creditors to remove these unverified accounts from my credit report. 
Your intervention in this matter is paramount, as it will not only alleviate the emotional and financial distress I have endured but also set a precedent for the fair and accurate treatment of all consumers who face similar challenges. 

I appreciate your attention to this matter and eagerly await a resolution that upholds the principles of justice and consumer protection. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information. 

Thank you for your time and consideration. 

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