Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing FCRA Violations in Credit Report Dear Transunion, I hope this message finds you well. I am writing to bring to your immediate attention significant discrepancies in my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). It has recently come to my notice that my credit profile contains multiple errors, pointing to a concerning oversight of FCRA regulations within your agency. 

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

Instances of FCRA violations in my case include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to similarities in names or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, my rights encompass : 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 request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after XXXX years, or XXXX in cases of bankruptcy. 
I am formally requesting the immediate removal of the following listed items. 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. 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. 

2. XXXX  XXXX XXXX Account Number : XXXX This account is not being reported properly on all three bureaus and not following F.C.R.A. This collection account doesn't belong to me. I believe this is a frequent account and demand to be removed from my credit report. 

3. XXXX XXXX  Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 

4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : 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 unfortunately leave me no option 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 explanation