Consumer complaint received 2023-08-29
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 is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 To Whom It May Concern, I am writing to formally dispute and request enforcement of my legal rights regarding inaccurate and unverified account information on my credit report. I kindly ask for your assistance in rectifying this matter and ensuring that my consumer rights are upheld. The following details outline my concerns and the violations I believe have occurred : Creditor : XXXX Account Number : XXXX I am requesting your intervention to address the following potential violations : XXXX. Violation of Fair Credit Reporting Act ( FCRA ) - Failure to Verify Accuracy : The account associated with XXXX and identified by account number XXXX has raised concerns as I am unable to recognize this business. As a consumer, I have the right to accurate and verifiable credit reporting under the FCRA. However, the existence and legitimacy of this account remain unclear, leading to doubts about its accuracy. 

Relevant Sections of FCRA : Section 611 : Procedure in case of disputed accuracy Section 612 : Charges for certain disclosures Section 613 : Public record information for employment purposes Section 614 : Restrictions on investigative consumer reports Creditor : XXXX Account Number : XXXX I am also disputing the accuracy of the following account : XXXX. Violation of Fair Credit Reporting Act ( FCRA ) - Failure to Provide Accurate Information : The account information associated with XXXX, bearing the account number XXXX, has been a source of distress and concern in my financial life. As per the FCRA 's mandate for accurate and verifiable credit reporting, I have the right to expect that the information reported about my credit history is both accurate and fair. However, the details pertaining to this account are questionable, and despite my attempts to seek clarity, the matter remains unresolved. 

Relevant Sections of FCRA : Section 611 : Procedure in case of disputed accuracy Section 612 : Charges for certain disclosures Section 613 : Public record information for employment purposes Section 614 : Restrictions on investigative consumer reports Personal Story : To convey the impact of these inaccuracies, I want to share how these issues have disrupted my financial well-being and overall quality of life : Over the years, I have worked diligently to restore my credit standing after facing financial challenges. I have conscientiously managed my financial obligations, aspiring to secure a stable future for myself and my family. The uncertainties surrounding the reported accounts, however, have injected turmoil into my efforts. 

The unrecognizable XXXX account and the questionable XXXX account have cast shadows on my attempts to secure loans and housing. These inaccuracies have led to unjust denials, preventing me from accessing opportunities that could improve my life. The emotional toll of these setbacks is substantial, affecting my confidence, self-esteem, and mental health. 

Requested Action : Given the distress and tangible consequences I have faced, I kindly request the following actions : For XXXX : A thorough investigation to verify the legitimacy of the account associated with account number XXXX. If the account can not be verified as belonging to me, I request its removal from my credit report. 

For XXXX : A clarification of the information associated with account number XXXX, or its immediate removal from my credit report due to its questionable nature. 

In conclusion, I wholeheartedly appreciate your attention to this matter. Your support in enforcing my consumer rights under the FCRA is paramount to resolving this situation and allowing me to regain control of my financial future. I kindly ask that you keep me updated on the progress of this dispute. 

Should you require further information or documentation, please feel free to contact me at [ your phone number ] or [ your email address ]. 

Thank you for your dedication to consumer rights and your invaluable assistance in achieving a positive resolution. 

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