Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate information that has been reported by XXXX XXXX, specifically related to Account Number [ Account Number ]. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws and regulations. I kindly request your assistance in enforcing my legal rights to accurate credit reporting. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Violations : 1. **Fair Credit Reporting Act ( FCRA ) : ** - **Section 1681e : ** XXXX XXXX has failed to maintain reasonable procedures to ensure the accuracy of the information they report. The payment status, balance, comments, payment history, and even the account number associated with Account Number [ Account Number ] might be incorrect. 

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 1692e : ** The reported information may be misleading and deceptive, thereby violating FDCPA by using false, deceptive, or misleading representations. 

Personal Impact : This inaccurate reporting has had a profound impact on my life. For years, I have diligently managed my financial responsibilities and worked hard to build a strong credit history. However, the inaccurate information reported by XXXX XXXX has caused unwarranted confusion and stress. As a result of these inaccuracies, I have been denied credit opportunities, including a mortgage application that I had been diligently preparing for. The emotional toll and frustration of being unfairly penalized for erroneous information on my credit report can not be overstated. 

Resolution Request : I urge the Consumer Financial Protection Bureau to investigate this matter and ensure the enforcement of my rights under the law. I request that the inaccuracies associated with Account Number [ Account Number ] be promptly addressed. Specifically, I ask for verification of the payment status, balance, comments, payment history, and account number to ensure their accuracy. If these details are found to be incorrect or unverified, I kindly request that XXXX XXXX takes the necessary steps to correct or remove this account from my credit report completely. 

Enclosed with this letter are supporting documents that illustrate the inaccuracies in reporting, as well as documentation of the negative impact these inaccuracies have had on my creditworthiness and financial opportunities. 

I appreciate your prompt attention to this matter and request timely communication regarding the investigation and resolution process. Please provide written confirmation once the dispute has been resolved and the inaccuracies have been addressed. 

Thank you for your assistance in enforcing fair credit reporting practices and ensuring the accuracy of my credit history. I look forward to a swift resolution to this matter. 

Sincerely, XXXX XXXX