Consumer complaint received 2024-01-05
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: Account status incorrect

Complaint:
I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on Transunion Report : I request the immediate deletion of the personal statement on the Transunion consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

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 explanation