Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Subject : Urgent Request : Addressing FCRA Violations in Credit Report Dear XXXX XXXX, I'm urgently reaching out to address significant discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ) guidelines. It has come to my attention that my credit profile contains multiple inaccuracies, breaching FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute overseeing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and disclosure of credit data, ensuring transparent information sharing. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Neglecting prescribed dispute-handling protocols. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if my information has been used against me in credit applications or transactions. 
The ability to dispute and request correction or removal of incomplete or erroneous data. 
Removal of outdated negative information as per FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items breach FCRA standards due to inaccuracies, lack of verification, and continuous invalidation. Their presence has caused considerable distress, notably evident in my recent denial for extended credit due to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not correct. Delete it immediately from my report. 

2. I was never late on this account 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. I was never late on this account 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. 

4. This charge off account does not belong to me. I never have any financial obligation with this company 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. 

5. This charge off account does not belong to me. I never have any financial obligation with this company XXXX NV 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. 

6. This charge off account does not belong to me. I never have any financial obligation with this company 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. 

I anticipate swift action to rectify these violations within the FCRA-mandated timeframe. Failure to comply will regretfully leave me no choice but to pursue legal measures to protect my rights under the FCRA. 

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