Consumer complaint received 2023-08-29
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report that I believe are inaccurate, questionable, and in violation of specific sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am deeply concerned about the impact of these inaccuracies on my financial well-being and overall quality of life. 

The following accounts have been reported inaccurately, and their presence on my credit report is causing severe distress : XXXX Account XXXX : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX Account XXXX : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX Account XXXX : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX Account XXXX : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX Account XXXX : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX XXXX Account Number : XXXX Violation : FCRA Section 611 - Procedure in case of disputed accuracy. 
XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry - Violation of FCRA Section 604 - Permissible purposes of consumer reports. 
Incorrect Personal Information Current Address : XXXX XXXX XXXXXXXX XXXX, AZ XXXX Violation : FCRA XXXX XXXX - Compliance procedures. 
XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry - Violation of FCRA Section 604 - Permissible purposes of consumer reports. 
I am deeply affected by these inaccuracies. The uncertainty surrounding these accounts has caused me immense emotional distress and anxiety. Financial decisions, such as securing a mortgage for a home, obtaining credit for essential purchases, and even seeking employment opportunities, have all been significantly hindered due to these questionable items on my credit report. 

Allow me to share a personal story that vividly illustrates the profound impact these inaccuracies have had on my life. Last year, I found myself in a position where I needed to secure a loan to cover unexpected medical expenses for my daughter. As a devoted parent, it was agonizing to face a situation where I had to navigate the intricacies of the lending process with my credit history already tarnished by unverified accounts. The uncertainty caused by these inaccuracies further exacerbated an already challenging time for my family. It is heartbreaking to think that these unjust errors could potentially affect my child 's well-being. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and enforce the legal protections provided under the Fair Credit Reporting Act. I kindly request the removal of these unverified and questionable accounts from my credit report. These inaccuracies are not only a violation of my consumer rights but also a source of ongoing distress that hinders my ability to lead a stable and secure financial life. 

Thank you for your immediate attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding fair credit reporting practices and protecting consumers like me from the adverse effects of inaccuracies. 

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