Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to formally lodge a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by several creditors. The numerous inaccuracies and unauthorized inquiries listed on my credit report have significantly impeded my financial prospects and well-being, causing severe emotional distress. 

The violations I am addressing, along with their corresponding account details and relevant legal provisions, are as follows : Inaccurate Personal Information : The following personal information has been reported inaccurately : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX, XXXX, XXXX This name belongs to someone else. Delete it from my report immediately. 
FCRA Section 605B : Addresses the accuracy and integrity of consumer information. 
Incorrect Current Address : My current address has been inaccurately reported as : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately. 
FCRA Section 605B : Addresses the accuracy and integrity of consumer information. 
Incorrect Previous Address : My previous address has been inaccurately reported as : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately. 
FCRA Section 605B : Addresses the accuracy and integrity of consumer information. 
Unauthorized Inquiries : The following unauthorized inquiries have been made into my credit report : Inquiry by XXXX XXXX XXXXXXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inquiry by XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inquiry by XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inquiry by XXXX XXXX  on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inquiry by XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Inquiry by XXXX XXXX XXXX on XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
FCRA Section 604 : Outlines the permissible purposes for obtaining credit reports. 
Account Inaccuracies and Violations : The account with XXXX XXXX XXXX, Account Number : XXXX, exhibits a myriad of inaccuracies and violations, including : Incorrect high balance Inaccurate date of last activity Listing of " Reaged Accounts '' " Reinsertion WITHOUT PROPER NOTICE '' Undated late pay Charge off listed as open Collection account with a limit Your improper pr ( please provide more context if needed ) FCRA Section 611 : Outlines procedures for disputing inaccuracies on credit reports.

These violations have not only caused severe emotional distress but have also hindered my ability to secure loans, housing, and employment opportunities, as well as access fair financial terms.

In light of these grave infringements of the FCRA, I implore the Consumer Financial Protection Bureau to take assertive action in enforcing the pertinent legal provisions. I humbly request that a thorough investigation be conducted and that the implicated creditors be mandated to promptly remove these unverified accounts and inquiries from my credit report. This action will not only alleviate my distress but also restore my access to equitable financial prospects.

I extend my deepest gratitude for your commitment to safeguarding consumer rights and upholding the integrity of fair credit reporting practices. I eagerly anticipate your response and thank you for your unwavering dedication. 

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