Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to express my deep concern and frustration regarding the inaccurate and damaging information that has been reported to my credit report. Despite my efforts to resolve this issue by reaching out to both the credit reporting agencies and the companies responsible for the improper items, I have received no meaningful assistance or resolution. 

I have recently discovered several items on my credit report that are not a result of my own actions or financial choices. These items appear to be the consequence of either improper reporting or, even more alarming, identity theft. This situation has had a detrimental impact on my creditworthiness and my ability to access financial services and opportunities. 

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response. 

The following account needs to be removed immediately. Account Name : XXXX XXXX. Account : XXXX. Reason : 1. **Section 611 - Procedure in Case of Disputed Accuracy : ** This section of the FCRA outlines the procedures for consumers to dispute inaccurate information on their credit reports. The credit reporting agency is required to investigate and remove any information that can not be verified as accurate. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX Reason:1. **Section 611 - Procedure in Case of Disputed Accuracy : ** This section of the FCRA outlines the procedures for consumers to dispute inaccurate information on their credit reports. The credit reporting agency is required to investigate and remove any information that can not be verified as accurate. 

Creditor Name : XXXX XXXX XXXX Reason : 1. **Section 611 - Procedure in Case of Disputed Accuracy : ** This section of the FCRA outlines the procedures for consumers to dispute inaccurate information on their credit reports. The credit reporting agency is required to investigate and remove any information that can not be verified as accurate. 

Creditor Name : XXXX XXXX XXXX/ DATE OF INQUIRY : XXXXXXXX  Reason:1. **Section 611 - Procedure in Case of Disputed Accuracy : ** This section of the FCRA outlines the procedures for consumers to dispute inaccurate information on their credit reports. The credit reporting agency is required to investigate and remove any information that can not be verified as accurate.

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