Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX, Illinois XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Correcting FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I hope this message finds you well. I'm writing urgently to address significant discrepancies recently uncovered in my credit report, which directly infringe upon the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises substantial concerns about the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations discerned in my report encompass : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I hold the following entitlements : Verification of the accuracy of my report, especially concerning matters related to employment. 
Receipt of notification if my file information has been detrimentally utilized in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request for the elimination of outdated negative information, typically after seven or ten years, contingent on bankruptcy.

I formally request the immediate removal of the listed items below. These items significantly contravene FCRA standards due to their inaccuracies, lack of verifiability, and continual invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 
1. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. 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. 

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

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

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

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

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

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

9. XXXX 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. 

10. XXXX 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. 

11. 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. 

12. XXXX 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. 

13. XXXX 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. 

14. 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. 

15. 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. 

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

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

18. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX I anticipate prompt action to rectify these violations within the specified timeframe outlined by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are upheld. 

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