Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I am writing to request your assistance in addressing a matter of grave concern that has had a profound and lasting impact on my life. I believe there have been significant violations of my consumer rights, and I implore you to enforce the legal protections in place to aid consumers like myself. 

The violations I am reporting pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. Specifically, I have encountered the following issues : 1. Unauthorized Credit Inquiries : XXXX XXXX | XX/XX/XXXX Account Number : XXXX Potential FCRA Violation : Section 1681b ( f ) Permissible Purposes of Consumer Reports XXXX XXXX | XX/XX/XXXX Account Number : XXXX Potential FCRA Violation : Section 1681b ( f ) Permissible Purposes of Consumer Reports I have no recollection of authorizing these inquiries and suspect they may be fraudulent. These unauthorized inquiries have caused me significant distress and XXXX, as I am concerned about the potential for identity theft, which could lead to further violations of my consumer rights. 

2. Inaccurate and Unverified Account Information : XXXX  XXXX XXXX Account Number : XXXX Potential FCRA Violations : Section 1681s-2 ( a ) Duties of Furnishers of Information to Consumer Reporting Agencies Section 1681e ( b ) Accuracy of Information Potential FDCPA Violation : Section 807 ( 8 ) Communication in Connection with Debt Collection I dispute the accuracy of the account information associated with XXXX XXXX  XXXX . The balance, payment history, and other details are in question, and I have reason to believe that the information provided is incorrect. This erroneous account information has not only affected my credit score but has also impacted my ability to secure favorable financing for important life milestones. 

Now, let me share a personal story to illustrate how these issues have profoundly affected my life : Several months ago, I embarked on a journey to purchase my first home. This milestone was the culmination of years of hard work, saving, and dedication. I had meticulously planned and budgeted to ensure that I could achieve this dream and provide a stable and comfortable environment for my family. 

However, when I applied for a mortgage, I was met with heartbreak and disappointment. The unauthorized credit inquiries and inaccurate account information on my credit report resulted in higher interest rates and, ultimately, the rejection of my mortgage application. This crushing blow left my family and me in a state of uncertainty and dashed hopes. We were forced to continue living in a cramped rental property, far from the safe and spacious home we had envisioned for ourselves. 

The emotional toll this has taken on me and my family can not be overstated. The sleepless nights, XXXX, and stress have strained relationships, impacted my physical health, and left me feeling powerless and overwhelmed. 

In light of the violations of the FCRA and FDCPA, and the emotional turmoil and setbacks I have experienced, I kindly request the following actions : Thoroughly investigate the unauthorized credit inquiries by XXXX XXXX  and take immediate steps to remove them from my credit report. 

Verify the accuracy of the account information associated with XXXX  XXXX XXXX, including the balance, payment history, and other details. If any discrepancies are found, I request that this account be corrected or removed from my credit report. 

I implore you to enforce the legal protections in place to safeguard the rights of consumers like me. My family 's well-being and financial stability depend on a fair and accurate credit report, and I believe that your intervention can help rectify this situation. 

Thank you for your attention to this matter, and I look forward to a prompt resolution that will bring much-needed relief and closure. 

Sincerely, XXXX XXXX