Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I am writing urgently to address significant discrepancies in my credit report that directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review of my credit profile, it has become evident that multiple errors persist, indicating a substantial oversight of FCRA regulations within your agency. 

Key Highlights : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate acquisition, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on name or social security number similarities. 
Failure by agencies to adhere to prescribed dispute handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my information has been utilized in credit applications or other transactions against me. 
Dispute and demand the correction of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they unequivocally breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evident in my recent denial for extended creditan outcome directly linked to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXThis address is not correct. Delete it immediately from my report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX -This address is not correct. Delete it immediately from my report. 

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 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 XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
I implore swift action to rectify these violations within the FCRA-mandated timeframe. Failure to comply might necessitate exploring legal options to ensure my rights under the FCRA are diligently upheld.

Thank you sincerely for your immediate attention to this critical matter. 

Best regards, 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