Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to bring to your attention some serious concerns regarding the information contained in the credit reports of XXXX XXXX XXXX XXXX XXXX It has come to my attention that there are discrepancies and potential violations of the 1974 Privacy Act in his credit reports. As a responsible credit bureau, it is imperative that these issues are addressed and rectified in a timely manner to ensure compliance with the law and to uphold the privacy rights of the consumer. 

Upon reviewing XXXX XXXX 's credit reports from your agency, it has become evident that there are inconsistencies that need to be corrected. Specifically, I have identified the following areas of concern : 1. Mailing Address : Trans union XXXX, XXXX There is only one mail able address associated with XXXX XXXX XXXX XXXX, which is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX I kindly request that you correct and update the consumer account to reflect only this single address across all three credit reports. 

2. Hard Inquiries/Soft Inquiries : XXXX, Transuion If any hard inquiry is not connected to an account, I urge you to promptly remove, update, and reflect this accurately in the credit reports. 

3. Late Payments : XXXX voilatiing 15 usc 1681 late payment There are inconsistencies in the reporting of late payments across the three credit reports, which is a violation of the consumer 's privacy rights. I ask that you correct and update these accounts immediately to ensure accuracy and compliance with the law. 

It is essential that XXXX XXXX takes immediate action to rectify these issues and ensure that XXXX XXXX XXXX XXXX 's credit reports are accurate and in full compliance with the 1974 Privacy Act and others applicable laws. I trust that you will handle this matter with the utmost urgency and professionalism. 

I kindly request that you provide a written response within 10 days to confirm that the necessary corrections have been made to XXXX XXXX 's credit reports. Additionally, I would appreciate being kept informed of the steps taken to address these concerns. 
I am writing to bring to your attention the attached Consumer Financial Protection Bureau ( CFPB ) report along with the XXXX, TransUnion, and XXXX credit reports related to the consumer, XXXX XXXX XXXX XXXX. It has come to my attention that there are accounts posted to these reports for which I, as the consumer, have not received any written communication. As such, I kindly request that you handle these accounts with the care and attention that is due to a federally protected consumer. 

I wish to emphasize that I am a living flesh-and-blood individual, and as such, I operate as a federally protected consumer. It is imperative that all accounts related to my credit history are managed in accordance with the highest standards of care and accuracy. Any harm caused to the vessel, which in this case refers to the individual, is tantamount to harm caused to the living man. 

I trust that you will give due consideration to the significance of this matter and handle the accounts in question with the utmost care, ensuring that all actions taken are in full compliance with the relevant consumer protection laws and regulations. 

Thank you for your attention to this matter. I look forward to your prompt acknowledgement and appropriate handling of the accounts in question. Thank you for your attention to this matter. I look forward to a prompt resolution and your timely response. 

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