Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion Consumer Solutions Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Subject : Urgent Dispute of Inaccurate Personal Information on Credit Reports, Serious Violation of FCRA Dear TransUnion Consumer Solutions and XXXX, I write to you with utmost concern and frustration regarding the inaccurate personal information that has been persistently reported on my credit reports. This letter serves as my second attempt to dispute these inaccuracies. It is evident that both TransUnion and XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ) by failing to list my correct personal information. 

Upon thorough examination of my credit reports from TransUnion and XXXX, I discovered multiple discrepancies that are detrimental to my financial well-being. The inaccuracies persistently include the following : 1. Incorrect Name : Despite my previous dispute, the credit reports continue to list my name as [ Incorrect Name ]. I reiterate that my correct legal name is XXXX XXXX XXXX, and it is essential that you update this information immediately. 

2. Ongoing Inclusion of Outdated Address : In blatant disregard for my initial dispute, both TransUnion and XXXX have failed to rectify the issue of an outdated address ( [ Old Address ] ) appearing on my credit reports. This address has no relevance to my current residential status. I demand that you promptly remove this outdated information and replace it with my correct residential address, XXXX XXXX XXXX XXXX GA XXXX The persistent and willful negligence in rectifying these inaccuracies showcases a serious violation of the FCRA. These erroneous entries have far-reaching consequences on my financial reputation and opportunities. It is imperative that TransUnion Consumer Solutions and XXXX take immediate action to rectify this situation in accordance with the provisions of the FCRA. 

I demand the following actions be taken : 1. Conduct an immediate and thorough investigation into the inaccurate personal information stated above. 

2. Correct all erroneous information on my credit reports without further delay, ensuring that my correct name and address are accurately reflected. 

3. Provide me with written confirmation of the investigation 's progress, along with a detailed plan and timeline for resolving these inaccuracies. 

Failure to comply with these demands and rectify the inaccuracies within the stipulated time frame will leave me with no choice but to escalate this matter further, seeking legal remedies to protect my rights as a consumer under the FCRA. 

I expect TransUnion Consumer Solutions and XXXX to treat this dispute with the utmost seriousness and urgency it deserves. Timely resolution of these discrepancies is not only crucial for my financial stability but also for upholding the integrity and credibility of your credit reporting agencies. 

I anticipate your immediate attention to this matter. I demand a prompt written response detailing the actions taken to address these inaccuracies and restore the accuracy of my credit reports within 15 business days from the date of this letter. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copies of Identification Documents- Proof of Correct Name and Address

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