Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Indiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I am writing with urgency to address critical discrepancies discovered in my credit report that sharply contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). After a thorough review, it has become apparent that multiple errors persist within my credit profile, signaling a significant failure in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It emphasizes the necessity for accurate acquisition, retention, and disclosure of consumer credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

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

2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

3. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

4. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

5. XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

6. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

7. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

10. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

12. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

13. XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

14. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

15. XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

16. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

18. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

25. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

26. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

27. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

28. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

29. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

30. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

31. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

32. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

33. XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

34. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

35. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

36. XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

37. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

38. XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

39. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

40. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

41. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

42. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Inquiries have reached the statute of limitation. 

43. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

44. XXXX Date of inquiry : XX/XX/XXXXXXXX    Inquiries have reached the statute of limitation. 

45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX   Please remove it from my credit report. 

46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX   Please remove it from my credit report. 

47. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX   Please remove it from my credit report. 

48. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

49. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

50. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

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

52. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXXXXXX   53. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX 54. The following personal information is incorrect Account Number : Employers : XXXX XXXX 55. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

56. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

57. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

58. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

59. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

60. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

61. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

62. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

63. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

64. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

I anticipate swift action to rectify these violations within the timeframe mandated by the FCRA. 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