Consumer complaint received 2023-12-20
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Transunion, I am writing to urgently address significant discrepancies within my credit report that directly violate the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

To provide clarity : The Fair Credit Reporting Act serves as a critical federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent dissemination of a consumer 's credit data. 

Instances of FCRA violations in my report include : Inaccurate financial data furnished by creditors to reporting agencies. 

Merging of individuals ' information based on similarities in names or social security numbers by agencies. 

Neglecting prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 

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

Dispute and demand the removal of incomplete, erroneous, or unverifiable data. 

Have outdated negative information removed ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has led to considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
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 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 I was never late on this account. Please remove those late payments. 

XXXX. XXXX XXXX XXXX Account XXXX : 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 Account XXXX : 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 Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

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. 


I anticipate 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 honored. 

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