Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention several violations that have severely affected my financial well-being and overall quality of life. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your intervention and enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). 

Case 1 : Unauthorized Inquiry by XXXXXXXX XXXX Violation : Unauthorized Inquiry Relevant Law : FCRA - Section 604 ( a ) ( 3 ) ( B ), 606 ( a ), 607, 609, 611 On XX/XX/XXXX, an unauthorized inquiry was conducted by XXXX XXXX on my credit report. To the best of my knowledge, I never authorized this credit pull. This unauthorized inquiry has raised concerns about the security of my personal information and has left me feeling vulnerable. As a result, my trust in the financial system has been shaken, affecting my peace of mind and causing undue stress.

Case 2 : Incorrect Personal Information - Name Violation : Inaccurate Reporting of Personal Information Relevant Law : FCRA - Section 607 ( b ), 611 My credit report inaccurately lists an alias, " ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXXXXXX XXXX '' which is not my name. This misinformation has led to confusion, identity-related anxieties, and a sense of personal violation. I am deeply distressed by this situation, as my identity is a core aspect of my well-being and should not be subject to such errors. 

Case 3 : Incorrect Personal Information - Address Violation : Inaccurate Reporting of Personal Information Relevant Law : FCRA - Section 607 ( b ), 611 Furthermore, my credit report contains an incorrect current address, " CURRENT ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX, '' which has never been associated with me. This error has adversely impacted my ability to access financial services and has caused confusion and inconvenience in my daily life. 

Case 4 : Unauthorized Inquiry by XXXXXXXX XXXX Violation : Unauthorized Inquiry Relevant Law : FCRA - Section 604 ( a ) ( 3 ) ( B ), 606 ( a ), 607, 609, 611 In another instance, an unauthorized inquiry was made by XXXXXXXX XXXX on XX/XX/XXXX, without my consent. I have no recollection of authorizing this credit pull, and this unauthorized action has added to my distress and concern about the security of my personal information. 

These violations have taken a significant toll on my emotional and mental well-being. The cumulative effect of these unauthorized inquiries and inaccurate information has left me feeling anxious, stressed, and unable to confidently engage in financial activities that are vital to my future and well-being. 

In light of the aforementioned violations, I kindly request the following actions to be taken : Investigate and enforce my legal rights under FCRA, FDCPA, and FACTA to ensure that these violations are rectified promptly. 
Require the creditors involved, specifically XXXX XXXX  and XXXX XXXX, to remove the unauthorized inquiries from my credit report. 
Instruct the credit reporting agencies to correct the inaccuracies in my personal information, including the incorrect alias and address. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will advocate for the protection of my rights as a consumer. Your intervention is crucial in ensuring that my credit report accurately reflects my financial history and that my personal information remains secure. 

Thank you for your time and consideration. I eagerly await your response and resolution of these issues. 

Sincerely, XXXX XXXX XXXX