Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX  TransUnion LLC Consumer Dispute Center XXXX box 2000 XXXX XXXX PA XXXX Re : Formal Dispute and Request for Enforcement of Legal Remedies Dear TransUnion Dispute Team , I hope this letter finds you well. I am writing to formally dispute information on my credit report and request the enforcement of legal remedies available under the law. The purpose of this communication is twofold : to convey how profoundly the inaccuracies on my credit report have affected my life and to request the removal of unverified accounts. 

Personal Story : I must begin by sharing a deeply personal and emotionally distressing experience stemming from the inaccuracies on my credit report. Several years ago, I faced unexpected financial challenges due to a family emergency. At that critical juncture, I diligently contacted the creditors in question to work out a repayment plan and seek assistance. 

Despite my genuine efforts to resolve these matters responsibly, I encountered insurmountable obstacles. Late payment notations began to mar my credit report, making it increasingly arduous to secure housing, obtain vital loans, or pursue employment opportunities. The emotional toll of this ordeal has been overwhelming, negatively affecting my self-esteem, mental well-being, and overall quality of life. 

Violations, Specific Accounts, and Relevant Laws : Based on my experiences, it is evident that certain accounts listed on my credit report may be in violation of key provisions of consumer protection laws. Here are the specific accounts, their corrected account numbers, and the corresponding violations : Violation 1 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 

Violation 2 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 3 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 4 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 5 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX  Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 6 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 7 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX  XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 8 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX  Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 9 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX  Account Number : XXXX Potential Violated Law : FCRA XXXX XXXX ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 10 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 11 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 12 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 13 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX  Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 
Violation 14 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ). 

XXXX  XXXX This is not my name. Delete it immediately from my report. 
2000 This is not my Date of Birth. Delete it immediately from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX This address is not correct. Delete it immediately from my report. 

Request for Enforcement and Full Report : In light of the above violations, I earnestly request that TransUnion take immediate action to enforce the legal remedies available to rectify these inaccuracies. Specifically, I request the removal of these unverified accounts from my credit report in accordance with the FCRA, Section 611 ( a ) ( 5 ) ( A ).

Furthermore, I kindly request a full and comprehensive report detailing the actions taken to rectify these inaccuracies and a copy of my updated credit report. 

These inaccuracies have taken a tremendous toll on my life, causing emotional distress and hindering my ability to secure housing, obtain essential loans, and pursue employment opportunities. I implore TransUnion to address these violations promptly and work toward a resolution that can help restore my financial and emotional well-being. 

In conclusion, I extend my gratitude for your attention to this matter. It is my sincere hope that your intervention will alleviate the burdens I have endured due to these inaccuracies on my credit report. I look forward to a prompt response from TransUnion. 

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