Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Subject : Urgent Request : Correcting Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear [ Recipient 's Name ], I'm writing to address significant discrepancies in my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that several errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

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

Instances of FCRA violations that require 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The removal of outdated negative information, typically after seven years or ten in cases of bankruptcy. 
I formally request the immediate removal of the listed items below, as they unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
1. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

2. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

3. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 




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 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 explanation