Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
THE FOLLOWING COMPANIES ( XXXX, transunion, and XXXX ) DID NOT REMOVE for my credit report. 

I am writing to dispute the completeness and accuracy of information reported on my TransUnion credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have reviewed my credit report and found multiple discrepancies and inaccurate listings which are negatively impacting my credit score. 
Please be advised that under the FCRA, you are obligated to correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( Section 1681i ). Below are the details of the information I am disputing : 1. Incorrect Employment Information : Employer Name : XXXX, Date Verified XX/XX/XXXX. I am no longer employed here and request that this be updated. 

2. Incorrect Address Listings : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( Reported XX/XX/XXXXXXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( Reported XX/XX/XXXXXXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Reported XX/XX/XXXX ) I confirm my current address as XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Louisiana XXXX and request removal of all other listed addresses. 

3. Fraudulent Accounts ( I assert that the following accounts were fraudulently opened and request that they be removed ) : I have neither opened these accounts nor authorized anyone to do so on my behalf. Under Section 1681c-2 of the FCRA, you are required to block the reporting of information. In compliance with Section 1681a ( g ) and 1681c-2 of the FCRA, I am requesting an immediate block of these fraudulent accounts from my credit report. Pursuant to Section 1681g, I request a description of the procedure used to determine the accuracy and completeness of the information, including any business entity that furnished the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX ( Listed twice, please ensure both entries are investigated ) DEPT OF ED / XXXX XXXX ( Listed twice, please ensure both entries are investigated ) XXXX, XXXX. XXXX US DEPT OF EDUCATIONXXXX XXXX US DEPT. OF EDUCATION/XXXX  XXXX 4. Inquiries to be Removed ( These inquiries are not recognized by me and should be removed ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Department of Education, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the FCRA, I expect you to conduct a full investigation into these matters and either correct the inaccurate information or remove it from my credit file within the statutory timeframe. Please notify me in writing of the results of your investigation, and provide me with a revised credit report post-investigation. 

Furthermore, pursuant to FCRA Section 1681g, I am requesting all information on file, including but not limited to credit score, source of information, and any recipients of my credit report. 
I appreciate your immediate attention to these matters. Please ensure that all correspondence and results are sent to my current address as listed above. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report, Proof of Residence, Identity Verification ( Drivers License, Social Security Card )

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