Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX  ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME

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