Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, California XXXX Date of Birth : XX/XX/1995 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding the inaccurate and unverified entries on my credit report, and to request your assistance in enforcing my legal rights to accurate credit reporting. I believe that the following entries on my credit report violate specific sections of the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution in accordance with the law.

The inaccuracies pertain to the following accounts : 1. Creditor : XXXX XXXX  Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are questionable and lack clarity. This discrepancy has generated confusion and concern on my end. 
2. Creditor : XXXX XXXX Account Number : XXXX Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information Reported. 
Violation Details : The account name and number provided by XXXX XXXX are similarly questionable and lack clarity. This inaccuracy has raised doubts about the validity of this entry on my credit report. 
These inaccuracies have had a profoundly adverse impact on my life. Allow me to share a personal story that underscores the emotional toll of dealing with erroneous credit reporting. As a single parent working tirelessly to provide for my family, I have always maintained a diligent approach to my finances. My credit history has been a source of pride, a reflection of my commitment to financial responsibility. However, the appearance of these questionable accounts has shaken my confidence in my financial standing. I recently applied for a mortgage to secure a stable home for my children, only to face denials and unfavorable terms due to these discrepancies. The ensuing stress, disappointment, and heartache have taken a toll on both my mental and emotional well-being. 

In light of the aforementioned violations and their deeply distressing repercussions, I implore your intervention. I kindly request that you enforce the legal provisions outlined in the FCRA, including Sections 611, 623, 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 8 ), and direct the creditors to either substantiate and clarify the account information in question or remove the unverified accounts from my credit report entirely. This step is not only necessary for the accuracy of my credit history but also for the emotional peace of mind that has been severely compromised. 

I eagerly anticipate your prompt action in this matter. I believe that through your intervention, justice will prevail, and I will be able to continue pursuing financial stability for the well-being of my family. 

Thank you for your time, attention, and dedication to upholding consumer rights. 

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