Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1995 SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding ongoing issues with my credit report. I believe that several violations of the Fair Credit Reporting Act ( FCRA ) and related regulations have occurred, and I kindly request your assistance in enforcing my legal rights in this matter. 

I wish to address multiple creditors and the accounts they have reported inaccurately on my credit report. Below are the details of these accounts, along with the specific violations of laws and regulations : XXXX. XXXX Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ) Failure to Verify Accuracy ( FCRA Section 1681i ) XXXX. XXXX XXXX Account Number : XXXX Violations : Inaccurate Reporting ( FCRA Section 1681e ) Failure to Verify Accuracy ( FCRA Section 1681i ) These violations have taken a significant personal toll on my life. They have adversely affected my ability to secure housing, obtain favorable loan terms, and even secure employment. One poignant example of the emotional distress these inaccuracies have caused involves my recent attempt to purchase a home. 

I had been diligently saving for years to achieve the dream of homeownership, but despite my excellent financial record, I was denied a mortgage due to the inaccurate information in my credit report. This not only shattered my long-standing dream but also caused severe emotional distress. I had to explain to my family, especially my children, why we could not move into the home they had fallen in love with. 

Additionally, my pursuit of higher education was impeded by these inaccuracies. My intended career path required specific certifications, and I was unable to secure the necessary loans due to my tarnished credit profile. This led to missed opportunities and a delay in achieving my professional goals. 

The specific legal violations, as mentioned above, include inaccuracies in reporting ( FCRA Section 1681e ) and the failure of the creditors to verify accuracy ( FCRA Section 1681i ). I understand the importance of accurate credit reporting and the role it plays in financial stability. However, these inaccuracies are unjustly affecting my life and well-being. 

I kindly request that the CFPB takes immediate action to enforce my legal rights under the FCRA and related regulations. Specifically, I request that the creditors remove these unverified accounts from my credit report, as they have failed to clarify the questionable account names and numbers. This action is not only fair but also necessary to help me regain my financial footing and restore the quality of life that has been unfairly disrupted. 

I have attached supporting documentation, including copies of the inaccurate credit reports and correspondence with the creditors, to assist in your investigation. 

Thank you for your attention to this matter. I trust that the CFPB will act swiftly to ensure that justice is served, and my legal rights under the FCRA and related regulations are upheld. 

Sincerely, XXXX XXXX XXXX