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 is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute several items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These violations have had a profound impact on my financial well-being, causing significant distress and hampering my ability to secure loans and financial opportunities. I am reaching out to the Consumer Financial Protection Bureau to seek assistance in rectifying these issues and enforcing the appropriate legal provisions. 

Unauthorized Inquiries : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXXXXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXXXXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX  | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

Violation : Unauthorized Inquiry FCRA Section 604 ( a ) ( 3 ) ( F ) Inaccurate Reporting : XXXXXXXX XXXX Violation : Inaccurate Reporting FCRA Section 607 ( b ) ( 1 ) Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately. 

Violation : Incorrect Personal Information FCRA Section 607 ( b ) ( 1 ) XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately. 

Violation : Incorrect Personal Information FCRA Section 607 ( b ) ( 1 ) Personal Impact : Allow me to share a personal story to underline the profound impact of these violations. As I applied for a crucial loan to secure my dream home, the unauthorized inquiries and inaccurate reporting led to a significantly lower credit score. This resulted in a higher interest rate and an additional financial burden that I had not anticipated. The XXXX XXXX caused by these violations has taken a toll on my mental well-being, adding a layer of stress to an already challenging process. 

I implore the Consumer Financial Protection Bureau to assist me in addressing these violations promptly. I request that the respective creditors investigate the unauthorized inquiries, correct the inaccurate reporting, and remove the incorrect personal information from my credit report. I am determined to restore my financial standing and move forward towards a brighter future, unburdened by the consequences of these violations. 

I eagerly await your guidance and assistance in resolving this matter. Please feel free to contact me at XXXX or XXXX for any further information or documentation you may require. 

Thank you for your time and attention. 

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