Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear TRANSUNION, XXXX, and XXXX The Accounts Below Violates My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!! 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP. 



XXXXTRANSUNION IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT. YOU HAVE REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AS A PREVIOUS ADDRESS OF MINE, My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Its on my ID and all my identifying documentation. I have never lived at those previous addresses, so, XXXX, XXXX & TRANSUNION can you please remove those other ( XXXX ) addresses from my credit report, or else my lawyer and I will sue you for up to {$1000.00} per FCRA Violation? Also, XXXX, XXXX, AND TRANSUNION, I DEMAND YOU TO REMOVE ANY ACCOUNTS WITH THOSE PREVIOUS ADDRESSES ATTACHED TO THEM. THOSE WERE NEVER MY ADDRESS, AND YOU NEED TO REMOVE THAT XXXX NOW!!! BEFORE THIS XXXX GETS UGLY XXXX, TRANSUNION, AND XXXX I DEMAND ALL THREE CREDIT BEAURAS ADD THE CORRECT XXXX SPELLING OF MY XXXX NAME TO MY CREDIT REPORT!!! XXXX XXXX XXXX XXXX XXXX!!! MY XXXX NAME IS XXXX XXXX!!! THATS HOW I SPELL MY NAME SO TAKE THE REST OF THAT XXXX OFF MY REPORT!!! ALL THREE CREDIT BEAURAS ( XXXX, TRANSUNION, AND XXXX ) ALSO NEED TO ADD THE CORRECT XXXX BIRTHDATE TO MY CREDIT REPORT. MY BIRTHDAY IS XX/XX/1998, THATS IT, AND THATS ALL, SO I DEMAND ALL THREE CORPORATIONS TO UPDATE MY NAME AND BIRTHDATE NOW!!! 

XXXX/TRANSUNIONXXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT, AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME, WHICH IS XXXX XXXX, NOT MY ACCURATE BIRTHDAY, WHICH IS XX/XX/1998, AND YOU ALSO DO NOT REPORT MY ACCURATE ADDRESS TO MY CREDIT REPORT, WHICH IS XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. So, I DEMAND YOUR CORPORATION TO UPDATE MY REPORT IMMEDIATELY TO AVOID A FCRA FINE OF {$1000.00} EACH VIOLATION. 

XXXX TRANSUNION NEEDS TO REPORT MY PAID OFF LOAN ALSO NEEDS TO REPORT MY XXXX XXXX LOAN TO MY REPORT. I NEVER SAW THIS ON MY REPORT AS OF YET IT'S BEEN PAID OFF FOR 3 YEARS. THAT ACCOUNT AND MY STUDENT LOAN SHOULD BE MY ONLY REPORTED ACCOUNT, AND I HAVE NEVER MISSED A PAYMENT. Account Name : XXXX XXXX  Account XXXX XXXX I do not live in XXXX. I DEMAND YOU TO UPDATE MY ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX  XXXX!! I LIVE IN XXXXXXXX XXXX NOT IN XXXX, OR XXXX XXXX THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BEAURAS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!! 

The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY TRANSUNION AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!! 











Account Name : XXXX XXXX Account Number XXXX - TRANSUNION/XXXX  XXXX ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.ALSO THE DATE LAST ACTIVE ARE COMPLETELY DIFFERENT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX - XXXX  THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX  ) WAS 100 % FRAUDulent, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX **** - XXXXTRANSUNION THE ACCOUNT LISTED ABOVE BY XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXXtransunion REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE THE OPENED DATE. AND ALSO, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX.TRANSUNION CREDIT REPORT. 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX  Account Number : XXXX - XXXX/TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!

Account Name : XXXX XXXX Account Number : XXXX - XXXX  I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXXCREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO, THE DATE LAST REPORTED, AND LAST ACTIVE ARE SO XXXX WRONG THE INFORMATION YOU guys ' GIVE IS TERRIBLE! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX - XXXX/TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO THE DATE LAST ACTIVE ARE WRONG WRONG WRONG!!! XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX  Account Number : XXXX **** - TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) IS 100 % FRAUD. I DID NOT OPEN THAT ACCOUNT AT ALL, AND IT NEEDS TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY. I WILL REACH OUT TO LOCAL AUTHORITIES AND XXXX XXXX XXXX AND XXXX XXXX IF THIS ACCOUNT IS NOT FULLY REMOVED FROM MY XXXX CREDIT REPORT!!! 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX - XXXX/TRANSUNION THE ACCOUNT LISTED ABOVE BY XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX/Transunion REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE IS NOT KORRECT AT ALL, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXXTRANSUNION CREDIT REPORT. 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 



Account Name : XXXXXXXX XXXX XXXXXXXX Account Number XXXX **** - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX Account Number XXXX - TRANSUNION/XXXXXXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX  Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

THE ABOVE ACCOUNT HAS VIOLATED THE FCRA 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! AND I DID NOT OPEN THIS ACCOUNT. REMOVE IT!!! 



WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX TRANSUNION AND 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