Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To TransUnion Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 
15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report XXXX See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [  15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   Transunion Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Transunion Account Number XXXX THIS ACCOUNT STATES I WAS 30 DAYS LATE HOWEVER I WAS NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Transunion Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Transunion Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  Transunion Account Number XXXX THIS ACCOUNT STATES I WAS 30 DAYS LATE HOWEVER I WAS NEVER LATE XXXX  XXXX XXXX XXXX   XXXX XXXX Transunion Account Number XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Transunion Account Number XXXX THIS ACCOUNT STATES I WAS 30 DAYS LATE HOWEVER I WAS NEVER LATE 30 DAYS LATE XX/XX/XXXX XXXX/XXXX Transunion Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX/XXXX XXXX XXXX Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THIS ACCOUNT STATES I WAS 30 60 DAYS LATE  TWICEHOWEVER I WAS NEVER LATE : Lates Reported 30 Days XX/XX/XXXX, 60 Days Late XX/XX/XXXX CAN YOU PLEASE MAKE THESE PAYMENTS AS ON TIME XXXX/XXXX XXXX  Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Transunion Account Number XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Transunion Account Number XXXX XXXX THIS ACCOUNT STATES I WAS 30 DAYS LATE HOWEVER I WAS NEVER LATE 30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX  Transunion Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT GLOBAL PAYMENT CHECK ] XXXX Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX   Transunion Account Number XXXX THIS ACCOUNT STATES I WAS 30 DAYS LATE HOWEVER I WAS NEVER LATE 30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX PAYMENT CHECK XXXX Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX Account Number XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT FIRST XXXX XXXX XXXX XXXX   Account Number XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

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 explanation