Consumer complaint received 2023-12-18
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Correct FCRA Violations in My Credit Report Dear Transunion, I hope this message reaches you in good spirits. I'm urgently reaching out to address critical discrepancies discovered in my credit report that directly oppose the Fair Credit Reporting Act ( FCRA ) guidelines. Upon thorough review, it has become apparent that multiple errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data.

Instances of FCRA violations identified include : Inaccurate financial data furnished by creditors to reporting agencies.

Merging of individuals ' information by reporting agencies based on name or social security number similarities.

Neglect of prescribed protocols for dispute resolution by agencies.

My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions.

The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.

Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items distinctly breach FCRA standards due to inaccuracies, lack of verification, and consistent invalidation. Their presence has caused significant 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 Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

4. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

5. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

6. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

7. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX 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. 


I sincerely hope for prompt action to rectify these violations within the FCRA-mandated time frame. Should compliance falter, I may need to pursue legal measures to ensure my rights under the FCRA are upheld. 

Warm regards, 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