Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request to Rectify FCRA Violations in My Credit Report Dear Tranunion I trust this message finds you well. I'm writing urgently to address substantial discrepancies I recently discovered in my credit report that blatantly infringe upon the Fair Credit Reporting Act ( FCRA ). The persistent existence of these errors in my credit profile raises grave concerns about the compliance with FCRA regulations within your agency. 

To elaborate : The Fair Credit Reporting Act is a pivotal federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations identified in my report encompass : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning matters related to employment. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably leading to my recent denial of extended credit due to errors originating from your agency. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXXXXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX i don't own any debt on this account. the account was closed with XXXX balance. However XXXX still report the inaccurate balance of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


I expect prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will unfortunately necessitate legal action to ensure my rights under the FCRA are upheld. 

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