Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports 
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XXXX XXXX XXXX  To Whom It May Concern, I am writing to file a formal dispute regarding multiple inaccuracies and unauthorized inquiries present on my credit report. The violations I've identified fall under various consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Identity Theft Laws, Truth in Lending Act ( TILA ), and applicable state consumer protection laws. 

Details of the Violations : Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : I am deeply troubled by the inaccurate reporting of my payment history on account XXXX. I can affirm with utmost certainty that this account has never been paid late. This erroneous information has severely impacted my credit profile, causing immense distress and hindering my financial prospects. This violation is in direct contravention of the Fair Credit Reporting Act, Section 1681s-2, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. 

Unauthorized Credit Inquiries- Multiple Creditors ( Various Account Numbers and Inquiry Dates ) : I have encountered unauthorized credit inquiries from numerous entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  These inquiries were conducted without my consent or knowledge on various dates, infringing on my privacy rights and tarnishing my creditworthiness. This violation runs afoul of the Fair Credit Reporting Act, Section 1681b, which outlines the permissible purposes of consumer reports. 

Reporting Inaccurate Account Information - XXXX  ( Account Number : XXXX ) : The account information provided by XXXX is questionable and unclear. The lack of clarity surrounding this entry on my credit report raises concerns about its validity, further undermining the accuracy of my credit profile. This violation is contrary to the Fair Credit Reporting Act, Section 1681e, which addresses false or misleading representations in credit reporting. 

Reporting Inaccurate Personal Information ( Address ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The inclusion of inaccurate personal information, specifically addresses that I have never resided at, has led to confusion and a gross misrepresentation of my credit history. These inaccuracies need immediate rectification to restore the integrity of my credit report. This violation contravenes the Fair Credit Reporting Act, Section 1681i, which outlines the procedure in case of disputed accuracy. 

Personal Impact : These violations have had a devastating impact on my life. The errors and unauthorized inquiries have caused emotional distress, making it difficult to secure favorable interest rates on loans, obtain housing, and access necessary financial services. The emotional toll of these inaccuracies can not be overstated, as they have hindered my ability to provide for my family and plan for our future. The distress and frustration I experience whenever my credit report is evaluated are immeasurable and detrimental to my overall well-being. 

Requested Action : I implore the Consumer Financial Protection Bureau to enforce the legal protections afforded by the Fair Credit Reporting Act and other relevant consumer protection laws. I kindly request that the creditors involved rectify these violations by : Promptly investigating and correcting the inaccuracies in my payment history with XXXX XXXX ( Account XXXX : XXXX ). 
Removing unauthorized credit inquiries from my credit report, as listed above. 
Clarifying and verifying the information associated with the XXXX account ( Account Number : XXXX ). 
Swiftly removing the inaccurate addresses, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. 
I am seeking a fair and just resolution to these issues, ensuring that my credit report accurately reflects my financial history and responsible behavior. I trust that the Consumer Financial Protection Bureau will champion my cause and work towards the removal of these unverified accounts, thereby restoring my financial dignity and peace of mind. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief