Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am reaching out urgently to address significant discrepancies I've discovered in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises serious concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations identified in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information 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Request the removal of outdated negative information, typically after XXXX years, or XXXX in cases of bankruptcy.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 persisting invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. 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. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. Validate Account 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. 

8. Validate Account 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. 

9. Validate Account 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. 

10. Validate Account 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. 

11. Validate Account 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. 

12. 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. 

13. XXXX 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. 

14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I expect prompt action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are honored. 

Sincerely,

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