Consumer complaint received 2023-12-17
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to address critical discrepancies uncovered in my credit report, which blatantly infringe upon the regulations outlined in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors persist in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the precise collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby ensuring transparency and fairness in credit reporting practices. 

The identified instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to specific rights, such as : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verification, and continued invalidation. Their presence has caused significant distress, particularly evident in my recent credit application denial due to errors originating from your agency. 

1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. 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 removed. 

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

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

I anticipate prompt and comprehensive action to address these violations within the FCRA 's mandated timeframe. Failing to comply will, unfortunately, leave me with no recourse but to pursue legal measures to ensure my rights under the FCRA are fully 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 non-monetary relief