Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified account information that is currently being reported on my credit report by TransUnion. As a conscientious consumer, I have reviewed my credit report and identified several discrepancies that are not only misleading but have a significant impact on my financial well-being. 

Upon a meticulous examination of my credit report, I have identified a series of violations of the Fair Credit Reporting Act ( FCRA ), as well as other relevant consumer protection laws. The specific violations for each account include : XXXXXXXX XXXX XXXX XXXX XXXX ** Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ), 623 ( a ) ( 4 ), 623 ( b ) Inaccurate Reporting of Account Balances and History Inconsistent Reporting Across Different Credit Bureaus Failure to Provide Accurate Dates of Delinquency Inaccurate Reporting of Charge-Off Dates XXXX XXXX XXXXXXXX XXXX XXXX  Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 4 ), 623 ( b ) Inaccurate Reporting of Account Balances and History Inconsistent Reporting Across Different Credit Bureaus Failure to Provide Accurate Dates of Delinquency XXXX XXXX XXXX XXXX Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ), 623 ( a ) ( 7 ) Inaccurate Reporting of Account Balances and History Inaccurate Reporting of Dates Failure to Provide Accurate Dates of Delinquency XXXX XXXX XXXX XXXX Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 7 ), 623 ( a ) ( 5 ) ( A ) Inaccurate Reporting of Account Balances and History Inaccurate Reporting of Dates Failure to Provide Accurate Dates of Delinquency XXXX XXXX XXXX XXXX  Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ) Inaccurate Reporting of Account Balances and History Failure to Provide Accurate Dates of Delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ) Inaccurate Reporting of Account Balances and History Failure to Provide Accurate Dates of Delinquency XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA Section 623 ( a ) ( 8 ), 623 ( a ) ( 9 ) Inaccurate Reporting of Payment History Failure to Provide Accurate Payment History XXXX XXXX XXXX XXXX XXXX Violations : FCRA Sections 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ( A ), 623 ( a ) ( 7 ) Inaccurate Reporting of Account Balances and History Inaccurate Reporting of Dates Failure to Provide Accurate Dates of Delinquency The addresses listed on my credit report, such as XXXX XXXX XXXX XXXX, TX XXXX ' and XXXX XXXX XXXX XXXX, TX XXXX, ' are incorrect and do not correspond to my actual addresses. Having incorrect addresses on my credit report not only creates confusion but also has the potential to impact my receipt of important financial communications. I kindly request that you Deleted my addresses.

I implore the Bureau to take immediate action to address these violations and to ensure the removal of these unverified accounts from my credit report. The emotional turmoil, setbacks, and life-altering effects I have endured because of these errors are untenable. Your assistance in resolving this matter will not only rectify my financial situation but will also restore my faith in the credit reporting system. 

Given the severity of these violations and the profound impact they have had on my financial and emotional well-being, I kindly request that TransUnion take immediate action to enforce the legal obligations outlined by the FCRA and other relevant consumer protection laws. I implore you to thoroughly investigate the discrepancies in the account information and take appropriate action to rectify these violations. 

Specifically, I request that TransUnion engage in a comprehensive verification process with the aforementioned creditors and ensure that accurate and verified information is reflected on my credit report. I kindly ask that TransUnion take prompt action to remove any unverified account information from my credit report, as these inaccuracies not only tarnish my financial reputation but also hinder my ability to secure favorable financial opportunities. 

I understand that credit reporting is a complex process, and my aim is to work collaboratively to ensure the accuracy and integrity of my credit report. I kindly request that you keep me informed of the progress in resolving this matter. 

Thank you for your prompt attention to this dispute. I look forward to a resolution that is fair, accurate, and reflective of my true financial history. 

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