Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX, Texas XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Resolution of Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear TRANSUNION, I hope this message finds you well. I'm writing urgently to address crucial discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it has come to my attention that persistent errors remain within my credit profile, signaling a significant oversight in FCRA compliance within your agency. 

To elucidate : The Fair Credit Reporting Act is a fundamental federal statute that governs the collection and reporting of consumer credit information, mandating accurate acquisition, retention, and transparent dissemination of such data. 

Instances of FCRA violations necessitating immediate attention include : Inaccurate financial data furnished by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes within agencies. 
My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment 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 remove incomplete, erroneous, or unverifiable data. 
The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has caused significant distress, prominently evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. 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. 

2. 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. 

3. 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. 

4. 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. 

5. XXXX Account XXXX : 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. 

6. 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. 

7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not correct. Delete it immediately from my report. 

8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I anticipate swift action to rectify these violations within the time frame stipulated by the FCRA. Failing to comply will, unfortunately, necessitate my resorting to legal measures 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