Consumer complaint received 2023-08-28
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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute certain entries on my credit report, which I believe to be inaccurate and in violation of specific consumer protection laws. I am seeking your assistance to address these issues and ensure that my credit report accurately reflects my financial history.

I wish to bring to your attention the following violations that have come to light : Unauthorized Credit Inquiries : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 604, Section 607 Reference : 15 U.S.C. 1681b, 15 U.S.C. 1681g Unauthorized Credit Inquiries : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 604, Section 607 Reference : 15 U.S.C. 1681b, 15 U.S.C. 1681g Reporting Inaccurate Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Account Information : Creditor : XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Personal Information : Incorrect Address : XXXX XXXX XXXX CA XXXX Violation : Reporting Inaccurate Personal Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Personal Information : Incorrect Address : XXXX XXXX XXXX CA XXXX Violation : Reporting Inaccurate Personal Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Account Information : Creditor : XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : Account name and number questionable Violation : Reporting Inaccurate Account Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Personal Information : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Reporting Inaccurate Personal Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 Reporting Inaccurate Personal Information : Incorrect Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Reporting Inaccurate Personal Information Law : Fair Credit Reporting Act ( FCRA ) Relevant Sections : Section 607, Section 611 Reference : 15 U.S.C. 1681g, 15 U.S.C. 1681s-2 These violations have significantly affected my financial well-being and emotional state. The inaccuracies on my credit report have led to difficulties in securing loans, obtaining favorable interest rates, and even impacted my ability to secure suitable housing. Each time I am faced with these inaccuracies, I am reminded of the challenges I've had to endure.

Allow me to share a personal story to underscore the impact of these inaccuracies on my life. A few months ago, I applied for a mortgage to purchase my first home. Despite having diligently maintained a strong credit history, the inaccuracies on my credit report led to a higher interest rate and additional financial strain. This resulted in increased monthly payments that have now become a significant burden on my family 's budget. The dream of owning a home has turned into a source of stress and uncertainty due to these inaccuracies. 

I implore you to enforce legal measures to rectify these violations promptly. I kindly request that the creditors in question remove the unverified and inaccurate accounts from my credit report, thereby allowing me to regain control of my financial future. A fair and accurate credit report is not just a matter of financial stability ; it's a fundamental right that impacts every aspect of my life. 

I appreciate your attention to this matter and look forward to a timely resolution. Please keep me informed of any progress in addressing these violations and the subsequent changes to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX 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