Consumer complaint received 2023-12-16
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 XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I am reaching out urgently to address critical discrepancies identified in my credit report that blatantly contradict the guidelines established by the Fair Credit Reporting Act ( FCRA ). Following a thorough review, it's evident that multiple errors persist within my credit profile, indicating a significant failure in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of consumer credit data, ensuring transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove 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Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).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 undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX incorrect date of last payment BMG XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. Validate Account XXXX XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

I anticipate prompt action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will unfortunately leave me no option but to pursue 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