Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After a careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 
- Relevant Law : Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s-2 ( a ). 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 
- Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), Section 15 U.S.C. 1692. 

XXXX XXXX XXXX XXXX XXXXXXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 
- Relevant Law : FCRA, Section 15 U.S.C. 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 
- Relevant Law : TILA, Section 15 U.S.C. 1601 et seq.

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 
- Relevant Law : RESPA, Section 12 U.S.C. 2601 et seq. 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 
- Relevant Law : FDCPA, Section 15 U.S.C. 1692.

I have personally experienced the devastating impact of these violations on my financial stability and overall well-being. These violations have resulted in increased interest rates on loans and credit cards, making it exceedingly difficult to secure affordable credit when needed. The emotional stress has been overwhelming, affecting my sleep, straining my relationships, and causing a pervasive sense of hopelessness. 

I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I kindly request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute significantly to restoring my financial standing. 

Enclosed with this letter are copies of relevant documentation, including correspondence with creditors and evidence of the violations. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. Thank you for your assistance. 

Sincerely, XXXX XXXX