Consumer complaint received 2023-09-01
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and high spirits. I am writing to request your assistance in addressing a grave matter that has significantly impacted my life. This is not just about the financial repercussions ; it's about the emotional toll and the relentless pursuit of fairness and justice. I implore you to enforce the legal rights that protect consumers like me and restore a sense of security and hope. 

I am compelled to share a deeply personal story to convey the profound effects these violations have had on my life. Three years ago, I was diagnosed with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My world turned upside down as I faced mounting medical bills and the challenges of maintaining my financial stability while grappling with my health. 

In the midst of these hardships, I diligently monitored my credit report, understanding the importance of a healthy credit score for my future financial well-being. To my dismay, I discovered several egregious violations committed by creditors, which have further exacerbated my already distressing situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to provide accurate information on my credit report. 
These violations not only marred my credit history but also added immense stress and XXXX to an already challenging period of my life. The burden of trying to resolve these issues while undergoing medical treatment has been emotionally draining. I have lost countless hours trying to correct these errors, hours that should have been spent focusing on my health and well-being. 

In addition to these inaccuracies, I also discovered several unauthorized credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries have added insult to injury, as I have no recollection of authorizing these credit pulls. The sense of violation and powerlessness is overwhelming. 

Today, I stand before you, exhausted and disheartened by the toll this has taken on my life. I implore the Consumer Financial Protection Bureau to intervene on my behalf and enforce the legal rights that protect consumers like me. I request that you investigate these violations thoroughly and compel the creditors to remove these unverified accounts from my credit report. 

I yearn for the day when I can focus on my health without the relentless shadow of these violations hanging over me. Your assistance in this matter would not only bring justice but also restore my faith in the system designed to protect consumers. 

Thank you for your attention to this urgent matter. I eagerly await your response and resolution. 

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