Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 : Rectification of FCRA Violations in My Credit Report Dear transunion, I hope this message finds you well. I am writing with urgency to address significant discrepancies in my credit report that directly contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it is evident that multiple errors persist, signaling a notable oversight of FCRA regulations within your agency. 

Key Highlights : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate acquisition, 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 consolidating individuals ' information based on names or social security numbers. 
Agencies failing to adhere to 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 my information has been used in credit applications or other transactions against me. 
Dispute and demand the correction 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Request the removal of outdated negative information within specified timelines.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 distinctly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 

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I urge prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate exploring legal options to ensure my rights under the FCRA are vigilantly upheld. 

Thank you sincerely for your immediate attention to this pressing matter. 

Best regards, 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