Consumer complaint received 2023-08-31
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:
Dear Sir/Madam, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically in relation to the reporting practices of XXXX XXXX XXXX XXXX The violations I have experienced have had a profound impact on my life, and I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to rectify this situation. 

For an extended period, I have endured the unjust consequences of an inaccurate and unverified item on my credit report, linked to Account Number : XXXX and associated with XXXX XXXX XXXX. It has come to my attention that this disputed item should not persist on my credit report if it lacks credible evidence to substantiate its validity. I am invoking the following specific sections of the FCRA that have been clearly violated in this matter : Section 611 : Procedure in Case of Disputed Accuracy ( 15 USC 1681i ) Under this section, I assert that XXXX XXXX XXXX has disregarded their obligation to address my dispute concerning the accuracy of the reported item on my credit report. Their lack of adequate response violates the procedures stipulated in this section. 

Section 623 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies ( 15 USC 1681s-2 ) I further contend that XXXX XXXX XXXX, as a furnisher of information, has failed to fulfill their responsibilities outlined in Section 623. They have neglected to verify the accuracy of the reported item and have not undertaken corrective action despite being duly notified of the inaccuracies. 

These violations have exacted a significant toll on my financial well-being and have far-reaching implications for my future prospects. My endeavors to secure favorable interest rates for loans have been persistently hindered, rendering me unable to capitalize on opportunities that could otherwise enhance my financial stability. 

Additionally, this unjust reporting has barred me from accessing suitable housing options for myself and my family. The consequence of residing in an unsafe neighborhood has adversely affected my children 's growth, education, and overall quality of life. The emotional distress inflicted upon us can not be overstated ; every day, I grapple with the adverse consequences that arise from this inaccurate reporting. 

Regrettably, these violations have shattered my family 's aspirations for financial security and stability, all due to the negligence exhibited by XXXX XXXX XXXX 's reporting practices. 

Given the severity of the violations I have outlined, I respectfully request the Consumer Financial Protection Bureau to wield its authority in enforcing my rights under the FCRA. Specifically, I implore you to expedite the necessary measures to ensure the prompt removal of the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX on my credit report. 

By taking this decisive action, not only will I finally attain the relief I ardently seek, but the influence of the Consumer Financial Protection Bureau will extend as a beacon of hope to countless individuals grappling with comparable circumstances. 

I humbly await your expedited attention to this matter. I place my trust in the Consumer Financial Protection Bureau 's capacity to restore fairness and accuracy to my credit report. I am deeply appreciative in advance for your understanding, compassion, and unwavering dedication to safeguarding the rights of consumers. 

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