Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance, XXXX that has profoundly impacted my life, causing immense distress and hardship. The purpose of this letter is to formally dispute certain items on my credit report, requesting your intervention to enforce the legal rights afforded to me as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Violations : XXXX XXXX ( Account XXXX : XXXX ) : The account 's name and number are questionable. This potentially violates FCRA Section 611 ( a ) ( 1 ) ( A ) regarding the requirement for accurate reporting and Section 623 ( a ) ( 2 ) regarding the duty of furnishers of information to investigate disputed items. 

XXXX ( Account XXXX : XXXX ) : The inaccurate information reported on this account, suggesting late payments when there were none, violates FCRA Section 605 ( a ) and ( b ), which require accurate reporting, and Section 623 ( a ) ( 2 ) regarding the duty of furnishers of information to investigate disputed items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This credit inquiry occurred without my authorization or recollection, potentially violating FCRA Section 604 regarding permissible purposes for credit inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Similar to XXXX, this credit inquiry was conducted without my authorization, potentially violating FCRA Section 604 regarding permissible purposes for credit inquiries. 

XXXX XXXX XXXX ( Account XXXX : XXXX ) : This account remains a mystery to me, and I can not recognize this business. This XXXX violate FCRA Section XXXX ( a ) and ( b ), which require accurate reporting, and Section 623 ( a ) ( 2 ) regarding the duty of furnishers of information to investigate disputed items.

Personal Impact : The consequences of these inaccuracies on my credit report have been far-reaching and emotionally distressing. They have not only hindered my ability to access affordable credit but have also caused significant stress and XXXX  in my daily life. For instance, I recently applied for a mortgage to secure a home for my family. However, due to these inaccuracies, my application was denied, and my dream of providing a stable home for my loved ones was shattered. The emotional toll this has taken on me and my family is immeasurable. 

In addition to the mortgage denial, I have faced higher interest rates on loans and credit cards, making it challenging to manage my finances and achieve my long-term financial goals. The constant worry about the accuracy of my credit report has also taken a toll on my mental health, leading to sleepless nights and XXXX  about my financial future. 

Request for Action : In light of the violations I have identified and the significant impact they have had on my life, I kindly request that you enforce my legal rights under the FCRA. Specifically, I ask that you investigate these disputed items thoroughly and ensure that they are either verified as accurate or removed from my credit report. 

It is my sincere hope that, through your intervention, I can regain control over my financial standing and achieve the peace of mind that has eluded me for far too long. The removal of these unverified and inaccurate accounts is not only my legal right but also a critical step toward rebuilding my financial well-being and providing a stable future for my family. 

I appreciate your attention to this matter and the essential role the CFPB plays in safeguarding the rights and interests of consumers like me. I eagerly await your response and resolution of this dispute. 

Sincerely, XXXX XXXX XXXX