Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in resolving a matter that has significantly impacted my life and financial well-being. I have previously submitted disputes regarding various violations of federal consumer protection laws, and I kindly ask for your intervention to ensure the enforcement of these legal rights. 

Over the past years, the inaccuracies on my credit report have caused immeasurable distress and hardship in my life. These inaccuracies have not only affected my financial stability but have also taken a severe emotional toll on me and my family. 

The violations I have encountered are as follows : Violation of Fair Credit Reporting Act ( FCRA ) : XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXXXXXX XXXX  | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXXXXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

XXXXXXXX XXXX XXXX CA XXXX : Account number : XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

To illustrate the profound impact of these violations, I want to share a personal story. Due to the inaccuracies on my credit report, I was recently denied a mortgage loan that would have allowed my family to purchase our first home. The dream of providing a stable and safe environment for my children has been shattered, and we continue to struggle with renting substandard housing in an unsafe neighborhood. My inability to secure affordable credit has also led to missed opportunities for my children 's education and has put a tremendous strain on our daily lives. 

I implore you to take immediate action to enforce the legal rights granted to me under the FCRA and related consumer protection laws. Specifically, I request that you ensure the removal of these unverified accounts from my credit report, as they have been a source of immense distress and have hindered my ability to lead a secure and fulfilling life. 

I have diligently followed the proper dispute procedures with the credit reporting agencies and creditors, but the issues persist. Your intervention is my last hope for justice and the restoration of my financial well-being. 

Thank you for your attention to this matter. I look forward to a prompt resolution and request that you keep me updated on the progress of this dispute. 

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