Consumer complaint received 2023-12-13
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:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Action Needed : FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to urgently address concerning inconsistencies discovered in my credit report that significantly breach the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies within my credit profile highlights a substantial oversight of FCRA regulations 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 mandates precise data collection, retention, and fair sharing of consumer credit data, promoting transparent interactions with consumers.

Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies.

Agencies merging individuals ' data due to name or social security number similarities.

Neglect of prescribed dispute resolution protocols.

Under the Fair Credit Reporting Act, I uphold specific rights : The right to verify report accuracy, particularly for employment purposes.

Notification if my file information has been used in credit applications or other transactions against me.

The ability to dispute and request correction or removal of incomplete, erroneous, or unverifiable data from bureaus.

The removal of outdated negative information, typically a

fter seven years, or ten in bankruptcy cases. I formally request immediate rectification of the listed items below. Th
ese items significantly breach FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has led to substantial distress, notably evidenced by my recent denial of extended credit directly tied to errors originating from your agency. 

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

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

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

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

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

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

7. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

12. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

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

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

26. XXXXXXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

27. 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. 

28. 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. 

29. 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. 

30. 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. 

31. 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. 

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



I anticipate swift action to rectify these violations within the FCRA 's specified timeframe. Failure to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are duly upheld. 

Warm regards, 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