Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Pl XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to address concerning discrepancies recently unveiled in my credit report, potentially infringing upon the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a meticulous review of my credit profile, multiple errors have surfaced, casting doubts on the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the collection and reporting of consumer credit information, emphasizing the utmost importance of accurate data acquisition, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on name or social security number similarities. 
Agencies neglecting prescribed protocols for managing disputes. 
As stipulated by the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if information in my file has been utilized in credit applications or other transactions against my name. 
Dispute and request bureaus to rectify and expunge incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed in accordance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ 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. 

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

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

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

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

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

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

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. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. 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. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I trust in your swift action to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will, regrettably, necessitate the pursuit of legal measures to ensure my rights under the FCRA are fully protected. 

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