Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound impact that recent violations have had on my life. 

In recent months, I have encountered egregious violations of the FCRA by several creditors, which have taken a significant toll on my financial well-being and emotional state. Below, I outline these violations and provide a deeply personal account of how they have affected me : XXXX XXXX : Account number : 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 : 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 : 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 : Account number : 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  : 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. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

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

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

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

These violations have left me in a state of anxiety and uncertainty, impacting my ability to secure loans, housing, and employment opportunities. The emotional distress I have experienced can not be overstated, as I have felt helpless and overwhelmed by the damage inflicted on my financial reputation. 

I kindly request that the CFPB intervene and take appropriate actions to ensure the enforcement of my legal rights under the FCRA. Specifically, I urge you to investigate these violations thoroughly and expedite the removal of these unverified and unauthorized accounts from my credit report. 

I understand the critical role that the CFPB plays in safeguarding consumers like me against unfair and unlawful practices. I am relying on your expertise and dedication to justice to rectify these violations promptly and help me regain my financial stability and peace of mind. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please do not hesitate to reach out to me if you require any additional information or documentation to proceed with this dispute. 

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