Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Bankruptcy Case Number : XXXX XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : 19 Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. Delete this account. 
9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Delete this account. 

18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

20. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

21. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

22. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, 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