Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Correction Needed : FCRA Violations in Credit Report Dear Transunion, I am reaching out urgently regarding critical inconsistencies found in my credit report that directly breach the Fair Credit Reporting Act ( FCRA ). It has become evident that persistent errors within my credit profile signal a significant oversight of FCRA guidelines within your agency. 

To clarify : The FCRA is a fundamental federal statute governing the accurate collection, reporting, and transparent sharing of consumer credit information. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' data due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I am entitled to specific rights : Verification of my report 's accuracy, especially for employment purposes. 
Notification if information from my file has been used against me in credit applications or other transactions. 
The right to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information after the specified time frames ( seven years, or ten in bankruptcy cases ). 
I formally request the immediate removal of the listed items below. These items unequivocally violate FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has led to significant distress, evident in my recent denial for extended credit due to errors originating from your agency. 

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

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

XXXX. The inquiry was not authorized 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 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. This account is not reported consistently on all three credit bureaus. Only Transunion report this account. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 


I expect prompt action to rectify these violations within the FCRA 's stipulated time frame. Failure to comply will regrettably leave me no choice 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