Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Dear Sir/Madam, I am writing to you with a deep sense of urgency and distress to bring a series of grave violations to your attention. These violations, which have occurred under the umbrella of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), have inflicted severe damage on my financial well-being and emotional state. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) with the hope that you can intervene to enforce my legal rights and restore the integrity of my credit report. 

XXXX XXXX - Account Number : XXXX The actions undertaken by XXXX XXXX have cast a shadow of distress and hardship over my life. Despite my persistent efforts to seek proof of the alleged debt and access the original application bearing my signature, they have repeatedly failed to provide any substantiating evidence. This egregious violation of FCRA 's Section 611 ( a ) ( 1 ) ( A ) has led to the perpetuation of inaccurate and damaging information on my credit report. The consequences have been far-reaching, significantly impeding my ability to secure favorable financing for pivotal life milestones. Furthermore, XXXX XXXX ' deliberate failure to conduct a proper investigation, as mandated by FCRA 's Section 611 ( a ) ( 2 ), has allowed these inaccuracies to fester, causing profound stress and obstructing my financial prospects. The toll includes hindrances in securing affordable housing and obtaining credit on reasonable terms. 

Unauthorized Inquiries by XXXX, XXXXXXXX XXXX XXXX The intrusion of unauthorized credit inquiries by XXXX and XXXX XXXX has been deeply detrimental to my well-being. These unwarranted inquiries, exemplified by the unauthorized inquiry made by XXXX on XX/XX/XXXX, and those carried out by XXXX on XX/XX/XXXX, constitute a clear violation of FCRA 's Section 604 ( a ) ( 3 ) ( B ). The disregard for my consent and knowledge has resulted in unwarranted harm to my credit profile, creating significant obstacles in pursuing my dreams and aspirations. The emotional toll of these violations can not be overstated, and the unwarranted impact on my financial opportunities adds to the weight of these injustices. 

Personal Impact - A Heartfelt Account The repercussions of these violations have transcended financial turmoil, causing profound emotional distress. The excitement and optimism that should accompany life milestones have been replaced with frustration and XXXX, as I navigate the consequences of these unjust actions. The struggle to maintain a semblance of stability in the face of these violations has taken a significant toll on my mental well-being.

Request for Resolution In my time of utmost vulnerability, I am beseeching the Consumer Financial Protection Bureau to exercise its authority and uphold the protections enshrined in FCRA, FACTA, and FDCPA. I am imploring your intervention to compel the involved creditors to expunge the unverified accounts and unauthorized inquiries from my credit report, as dictated by FCRA 's Section 609 ( f ). Your intervention holds the promise of not only rectifying these violations but also restoring my hope for a secure financial future and a peaceful state of mind.

As a beacon of justice for consumers like me, I entrust the Consumer Financial Protection Bureau to hold these entities accountable for their transgressions. I believe in your ability to ensure that my rights as a consumer are upheld and that justice is served.

I am sincerely hopeful that, through your intervention, I can regain control over my financial future and find the peace of mind that has eluded me amidst these violations. I express my gratitude for your attention to this matter and eagerly anticipate a swift resolution that addresses these violations and restores the integrity of my credit report. 

Thank you for being a champion of consumer rights. 

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 explanation