Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It XXXX Concern, I write to XXXX  today with a XXXX  XXXX, as I endeavor to resolve a profoundly distressing matter that has cast a XXXX  and XXXX  shadow over XXXX XXXX. XXXX XXXX is that XXXX XXXX  will resonate with XXXX, not merely as a tale of XXXX  hardship but as a XXXX  to the anguish and uncertainty that erroneous XXXX  reporting can inflict upon an individual. The violations I outline below, which have marred XXXX XXXX well-being and emotional state, compel XXXX  to seek XXXX  assistance in enforcing the necessary legal remedies. The repercussions of these violations have been nothing short of catastrophic, and I implore XXXX  to consider the emotional and XXXX  distress they have inflicted upon XXXX. Incorrect XXXX  Information : Violation : Incorrect Previous Address Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : Violation : Unauthorized Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : XXXX  Inquiry by XXXX XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : XXXX  Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : XXXX  Inquiry by XXXX XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : XXXX Inquiry by XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : XXXX  Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : XXXX  Inquiry by XXXX XXXX XXXX XXXX XXXX Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX  and Reinsertion Without Proper Notice : XXXX. Violation : XXXX XXXX Account ( Account Number : XXXX ) XXXX  : Incorrect high balance XXXX  date of XXXX  activity Reaged accounts Undated late payment XXXX XXXX listed as open Collection account with a limit Undated XXXX  XXXX  and XXXX XXXX Listed as Open Relevant Law : Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The impact of these violations on XXXX XXXX has been nothing short of shattering. They have not only hindered XXXX XXXX to secure affordable financing for crucial XXXX  XXXX, such as purchasing a XXXX  or a XXXX, but have also decimated XXXX  sense of XXXX  security. The toll on XXXX emotions has been immeasurable ; it is a weight that XXXX carry with XXXX XXXX day. XXXX the despair of being denied XXXX XXXX XXXX watching the dream of homeownership slip through XXXX  XXXX, XXXX  because of erroneous information that paints an XXXX  picture of your XXXX  responsibility. Picture the XXXX  of standing by, powerless, as XXXX  denied the opportunity to provide a stable and secure environment for XXXX XXXX. These violations have done more than tarnish my XXXX XXXX ; they have robbed XXXX  of peace of mind, affecting not only XXXX XXXX  well-being but my overall quality of XXXX. XXXX XXXX have been deferred, and XXXX XXXX stifled. This is not just a matter of XXXX  rectification ; it is a plea for the restoration of hope, dignity, and the chance to build a XXXX  future. In light of the violations detailed above, I kindly request that the unverified and XXXX XXXX  be promptly removed from XXXX XXXX  report. This action is vital not only for XXXX XXXX peace of mind but also to uphold the principles of fairness and justice that XXXX  legal system is built upon. I beseech XXXX  to act on XXXX XXXX, not merely as a matter of legal procedure, but as an affirmation of the ideals of justice and XXXX  protection that underpin the work of the Consumer Financial Protection Bureau. Please help me reclaim XXXX XXXX XXXX XXXX XXXX XXXX XXXX stability. Thank you for XXXX  attention to this matter. XXXX  sincerely hope that the Consumer Financial Protection Bureau can assist XXXX  in resolving this situation and restoring XXXX  XXXX  in the integrity of the XXXX  reporting XXXX. 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