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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to request your assistance in addressing a matter of significant concern regarding the accuracy and legitimacy of information on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your help in enforcing my legal rights and resolving this matter promptly. 

Personal Story : The inaccuracies on my credit report have had a profound impact on my life. Allow me to share a deeply personal and emotional account of how these errors have affected me. [ Here, you should provide a detailed and heartfelt description of how the inaccuracies have affected your financial well-being, emotional state, and any specific hardships you've endured as a result. Be as specific and emotionally evocative as possible. ] Violations : Based on the details provided in my earlier dispute letters, I believe the following violations of the FCRA have occurred : Unauthorized Credit Inquiries by XXXX XXXX XX/XX/XXXX and XXXX XXXX : XX/XX/XXXX Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized credit inquiries. 
Relevant FCRA Section : 15 U.S.C. 1681b, Subsection ( f ). 
Inaccurate Reporting of Account Information by XXXX : XXXX Please remove it from my credit report. Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

Violation : Inaccurate reporting of account information. 
Relevant FCRA Sections : 15 U.S.C. 1681s-2 ( a ) and ( b ). 
Incorrect Ownership of Account by XXXX : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Violation : Reporting an account that does not belong to me. 
Relevant FCRA Sections : 15 U.S.C. 1681e and 15 U.S.C. 1681s-2 ( a ) and ( b ). 
Unverified Account by XXXX XXXX : XX/XX/XXXX Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Failure to verify account ownership. 
Relevant FCRA Sections : 15 U.S.C. 1681e and 15 U.S.C. 1681s-2 ( a ) and ( b ). 
Unverified Account by XXXX XXXX : XX/XX/XXXX Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Failure to verify account ownership. 
Relevant FCRA Sections : 15 U.S.C. 1681e and 15 U.S.C. 1681s-2 ( a ) and ( b ). 
Request : In light of the violations outlined above and the personal hardships I've faced, I kindly request that you take immediate action to enforce my legal rights under the FCRA. Specifically, I request that the following actions be taken : Investigate and verify the accuracy of the accounts reported by these creditors, namely XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX 

If these accounts can not be verified, I request that they be promptly removed from my credit report to restore its accuracy and integrity. 

I appreciate your attention to this matter and your dedication to protecting consumers ' rights. Your intervention in resolving these issues would have a profound impact on my life, allowing me to regain control of my financial future. 

Thank you for your prompt attention to this dispute, and I eagerly await your response. 

Sincerely, XXXX XXXX