Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX  To Whom It May Concern, I am writing to formally dispute several inaccuracies and unauthorized credit inquiries that have been reported on my credit file. I firmly believe that these actions are direct violations of the Fair Credit Reporting Act ( FCRA ), and I kindly request your intervention to address these issues and enforce the pertinent legal provisions designed to safeguard consumers like myself. 

The violations in question are as follows : Unauthorized Credit Pulls : XXXX | XX/XX/XXXX - Account number : XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX - Violating FCRA 604 and 606 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 Inaccurate Account Information : U.S. Bankruptcy Court : XXXX - Violating FCRA 611 US BKPT CT AZ XXXX : XXXX - Violating FCRA 611 DEPTEDXXXX XXXX XXXXXXXX - Violating FCRA 611 DEPT OF EDUCATION/XXXX  : XXXX - Violating FCRA 611 Inaccurate Address Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX - Violating FCRA XXXX XXXX XXXX XXXX AZ XXXX - Violating FCRA 611 XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Violating FCRA 611 XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Violating FCRA 611 These errors and unauthorized credit inquiries have had a profound and distressing impact on my life. Their presence on my credit report has significantly hindered my ability to secure favorable loan terms, attain suitable housing, and even pursue promising job opportunities. The emotional toll of these inaccuracies can not be overstated. I am deeply disheartened by the unjust tarnishing of my credit history, earned through diligent financial management. 

Permit me to share a personal anecdote that encapsulates the extent of the adversity I have endured due to these inaccuracies. Recently, I embarked on the journey of purchasing my own home by applying for a mortgage. However, my excitement was replaced with shock and disappointment when I discovered that these erroneous entries had artificially lowered my credit score. Consequently, my mortgage application was denied, leaving me shattered and disillusioned. 

I implore the Consumer Financial Protection Bureau to champion consumer rights and ensure the rigorous application of the FCRA. Specifically, I humbly request that your esteemed office investigates these violations with thoroughness and urgency, compelling the relevant creditors to expunge the unverified accounts from my credit report. The gravity of these discrepancies has inflicted immeasurable harm, and I earnestly seek your assistance in rectifying this situation, allowing me to pursue life 's opportunities without the unjust burden of inaccuracies and unauthorized entries on my credit history. 

I wholeheartedly appreciate your commitment to safeguarding consumer interests and maintaining financial equity. I await your response eagerly, with the hope of a resolution that restores fairness and integrity to my credit profile. 

Thank you for your attention and dedication. 

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 non-monetary relief