Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Transunion, I'm writing urgently to address critical discrepancies within my credit report that blatantly violate the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that several errors persist in my credit profile, revealing a troubling oversight of FCRA regulations within your agency. 

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

Instances of FCRA violations within my report include : Inaccurate financial data furnished by creditors to reporting agencies. 
Agencies merging individuals ' information based on name or social security number similarities. 
Neglecting prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if information in my file has been used against me in credit applications or other transactions. 
Dispute and demand the removal of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed ( typically after XXXX years, or XXXX in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undeniably breach FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused considerable distress, notably resulting in my recent denial for extended credit due to errors originating from your agency. 
XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. 


I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will unfortunately 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