Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Rectification of FCRA Violations in Credit Report Dear Transunion, I am reaching out urgently concerning significant disparities found in my credit report, directly violating the guidelines established in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, indicating a serious oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a critical federal statute that regulates the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, along with transparent information sharing with consumers. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Agencies merging individuals ' information due to name or social security number similarities. 
Neglecting prescribed protocols for handling disputes. 
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 bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information ( typically after XXXX years, or XXXX in cases of bankruptcy ).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 significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. 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. 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  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

5. 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. 

6. XXXX is reporting payment history on the collection/charge-off account. I never have any financial obligation with this company. 
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. 

7. RXXXX 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. 

8. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

9. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not correct. Delete it immediately from my report. 


I expect prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

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