Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent Resolution Needed : Addressing FCRA Violations in Credit Report Dear Transunion, I am writing with utmost urgency to address substantial discrepancies discovered in my credit report that directly conflict with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that my credit profile contains multiple errors, signaling a concerning disregard for FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, with a strong emphasis on transparent information sharing with consumers. 

Instances of FCRA violations observed include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities.

Agencies neglecting prescribed protocols for handling disputes.

My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information in my file has been used against me in credit applications or other transactions.

The ability to dispute and demand bureaus rectify and remove incomplete, erroneous, or unverifiable data.

Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, a direct result of errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX- This address belongs to someone else. Delete it from my report immediately. 

3. I was never late on this account. XXXX already removed all the late payments on this account. 
XXXX Account Number : XXXX I demand XXXX and Transunion remove late payments on this account I anticipate prompt action to rectify these violations within the mandated timeframe by the FCRA. Failure to comply will, unfortunately, leave me no recourse but to pursue legal measures to ensure my rights under the FCRA are respected. 

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