Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Correction Needed : FCRA Violations in My Credit Report Dear Transunion, I trust this message finds you well. I'm writing urgently to address significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Following a thorough review of my credit profile, it's apparent that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To highlight the critical points : The Fair Credit Reporting Act is a vital federal statute that governs the accurate collection, 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 merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification 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Request the removal of outdated negative information within specified timelines.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 blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 

1. 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. 

2. 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. 

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

4. 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. 

5. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX- This is not my name. Delete it immediately from my report. 

6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Employers : XXXX  8. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX I kindly ask for prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld.

Thank you for your prompt attention to this matter. 

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