Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth XX/XX/XXXX Subject : Urgent Request : Rectifying Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Transunion I hope this message finds you well. I am writing urgently to address crucial discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Upon thorough review, it has become apparent that persistent errors remain within my credit profile, indicating a significant oversight in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute that governs the collection and reporting of consumer credit information, ensuring accurate data acquisition, retention, and transparent dissemination. 

Instances of FCRA violations demanding immediate attention include : Inaccurate financial data provided by creditors to reporting agencies.

Merging of individuals ' information by reporting agencies due to similarities in names or social security numbers.

Neglect of prescribed protocols for handling disputes within agencies.

My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes.

Notification if information in my file has been used against me in credit applications or other transactions.

The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data.

The removal of outdated negative information, typically after seven or ten years in cases of bankruptcy.

I formally request the immediate removal of the listed items below, as they unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and continual invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

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

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

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

XXXX 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. 

XXXX. 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. 

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. 

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

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX I expect prompt action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably 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