Consumer complaint received 2023-12-09
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:
Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear TRANSUNION, I'm writing urgently to address concerning discrepancies in my credit report that directly violate the guidelines established by the Fair Credit Reporting Act ( FCRA ) within your agency. 

The FCRA serves as a fundamental federal statute overseeing the collection and reporting of consumer credit information, emphasizing meticulous data collection, retention, and transparent disclosure. 

Highlighted FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Failure to adhere to prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment-related purposes. 
Receive notification if my information is used in credit applications or transactions against me. 
Dispute and request correction or removal of incomplete or erroneous data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress and directly contributed to my recent credit denial, stemming from errors in your agency 's records. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be remove 5. 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. 

6. 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. 

7. 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. 

8. 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. 

9. 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. 

10. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

11. 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 remove 12. 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 remove 13. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 14. 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 remove I expect prompt and comprehensive action to rectify these violations within the FCRA stipulated timeframe. Failing to address these issues will compel me to explore additional measures, potentially including legal actions, to safeguard my rights under the FCRA. 

Sincerely, 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