Consumer complaint received 2023-12-20
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 XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in Credit Report Dear Transunion, I am writing with urgency to address critical inconsistencies within my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit profile contains persistent errors, reflecting a substantial oversight of FCRA guidelines within your agency. 

To clarify : The FCRA stands as a crucial federal statute governing the precise collection, reporting, and transparent sharing of consumer credit information. 

Instances of FCRA violations include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' data due to similarities in names or social security numbers. 
Neglect of prescribed protocols for handling disputes by agencies. 
Under the Fair Credit Reporting Act, I possess specific rights : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information from 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Removal of outdated negative information as per the specified time frames ( seven years or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

4. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX2022 Inquiries have reached the statute of limitation. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX2022 Inquiries have reached the statute of limitation. 

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

12. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

14. The inquiry was not authorized XXXX  Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

15. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

16. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

17. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

18. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed. 

20. The inquiry was not authorized XXXX  Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation. 

21. 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. 

22. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

23. XXXX Account XXXX : 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. 

24. XXXXXXXX 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. 

25. 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. 

26. 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. 

27. XXXX CARD 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. 

28. XXXX CARD 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. 

29. 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. 


I expect swift action to rectify these violations within the FCRA 's mandated time frame. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are 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