Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue I have been experiencing with TransUnion regarding inaccurate information on my credit report. Despite repeated efforts to address this matter directly with TransUnion, the inaccuracies remain unresolved, negatively impacting my creditworthiness and financial stability. 

Background I reviewed my TransUnion credit report and identified the following inaccuracies : 1. Student Loans : My credit report contains student loan accounts that are inaccurate. These loans either do not belong to me or reflect incorrect balances and/or statuses. I have contacted TransUnion and provided supporting information to demonstrate the inaccuracies, yet these accounts remain on my report.

2. Hard Inquiries : Several hard inquiries are listed on my credit report that I did not authorize. These unauthorized inquiries have negatively affected my credit score. I have repeatedly disputed these inquiries with TransUnion, but no corrective action has been taken.

Steps Taken I have made multiple attempts to resolve this matter directly with TransUnion, including : Submitting formal disputes through their online dispute portal and via certified mail.

Providing documentation to support my claims, including identification, proof of address, and records verifying the inaccuracies.

Following up with TransUnion customer service to check the status of my disputes.

Despite these efforts, TransUnion has either failed to correct the inaccuracies or has provided unsatisfactory responses.

Impact The presence of inaccurate student loans and unauthorized hard inquiries on my credit report has resulted in the following consequences : Lowered credit score, which affects my ability to obtain credit on favorable terms.

Emotional distress caused by the lack of resolution and the time-consuming nature of disputing these inaccuracies.

Potential loss of financial opportunities, including credit approvals and favorable interest rates.

Request for CFPB Assistance I am requesting that the Consumer Financial Protection Bureau intervene to ensure TransUnion complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I ask for the following : 1. A thorough investigation into the inaccurate student loan accounts and unauthorized hard inquiries.

2. Immediate removal of the inaccuracies from my credit report.

3. Assurance that TransUnion updates its procedures to prevent similar issues in the future.

Conclusion I trust that the CFPB will take this matter seriously and hold TransUnion accountable for its obligations under the FCRA. Please do not hesitate to contact me if additional information is required. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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 explanation