Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent Correction Needed : Addressing FCRA Violations in Credit Report Dear Transunion I am writing with urgency regarding concerning discrepancies uncovered in my credit report that directly violate the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). My review has identified multiple errors within my credit profile, highlighting a disregard for FCRA standards within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and dissemination of a consumer 's credit data, along with transparent information sharing with consumers. 

Instances of FCRA violations in this case involve : Creditors submitting inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act encompass : The right to validate the accuracy of my report, particularly for employment-related purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and expunge incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items blatantly contravene FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their inclusion has led to significant distress, notably evident in my recent credit denial due to errors stemming from your agency. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

5. XXXX XXXX XXXX  Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

6. XXXX XXXX  Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

7. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

8. XXXX XXXX  XXXX  XXXX  Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

9. 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. 

10. 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. 

11. 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. 



I anticipate swift action to rectify these violations within the FCRA 's stipulated timeframe. Failing compliance will, regrettably, necessitate my pursuit of legal measures to safeguard my rights under the FCRA. 

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