Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance that has had a profound and distressing impact on my life. I kindly request your assistance in enforcing my legal rights and seeking redress for the violations committed by certain creditors.

Violations : Unauthorized Inquiries ( Violation of 15 U.S.C. 1681b ( f ) ) : TD/TARGET : Several creditors, including TD/TARGET, have made inquiries into my credit report without my explicit authorization or consent. I do not recall ever authorizing these inquiries. I believe these may be in violation of FCRA regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX  made an inquiry into my credit report without my authorization, and I do not remember authorizing this inquiry. Given the potential for fraud, I urgently request its removal.

Inaccurate Reporting ( Violation of 15 U.S.C. 1681e ) : XXXX ( Account number : XXXX ) : XXXX has reported information to the credit bureaus that I believe to be inaccurate. This misinformation has cast a shadow over my financial credibility, and I believe it was not properly investigated under FCRA requirements. 
XXXX ( Account number : XXXX ) : XXXX  has inaccurately reported late payments on this account. Despite the account being reported as updated, no changes have occurred. I request the removal of these incorrect late payments immediately. 
Unauthorized Inquiries ( Violation of 15 U.S.C. 1681b ( f ) ) : XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX XXXX XXXX made an inquiry into my credit report without my authorization. I have no recollection of authorizing this inquiry and request its immediate removal. 
XXXX ( XX/XX/XXXX ) : XXXX made an inquiry into my credit report without my authorization. I have no memory of authorizing this inquiry and request its immediate removal. 
XXXX XXXX ( XX/XX/XXXX ) : XXXX XXXX  made an inquiry into my credit report without my authorization. I have no recollection of authorizing this inquiry and request its immediate removal. 
XXXX XXXX : To underscore the gravity of these violations, allow me to share a personal story of how this situation has affected my life. These inaccuracies and unauthorized inquiries have caused me immense distress, anxiety, and frustration. They have jeopardized my ability to secure essential financing for important life events, such as purchasing a home, obtaining favorable interest rates, and accessing credit when needed. The emotional toll this has taken on me is immeasurable, as I have faced sleepless nights, persistent worry, and strained relationships due to this financial uncertainty. 

Request for Resolution : In light of the violations outlined above and the profound impact on my life, I kindly request the following actions : Investigation : I urge the CFPB to initiate a thorough investigation into these violations, ensuring that each creditor complies with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and other relevant consumer protection laws. 

Immediate Removal : I request that the creditors, including XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, promptly remove the unverified and inaccurate accounts from my credit report to rectify the damage caused. 

I am grateful for your attention to this matter and your commitment to safeguarding the rights of consumers like myself. Please consider this as an urgent plea for assistance in rectifying these injustices. 

Thank you for your prompt attention to this dispute, and I look forward to a swift resolution that will help restore my financial well-being and peace of mind. 

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