Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Rectification Request : Urgent Action Required for FCRA Violations in My Credit Report Dear Transunion I hope this message finds you well. I'm reaching out urgently to address critical discrepancies I've recently uncovered in my credit report that clearly violate the Fair Credit Reporting Act ( FCRA ). The persistence of these errors in my credit profile raises serious concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations identified in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I have specific entitlements : Verification of the accuracy of my report, particularly concerning employment-related matters. 
Notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after seven or ten years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 
XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX 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. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX 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. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX 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. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX 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. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX  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. 

XXXX. This is an unauthorized inquiry. This inquiry is not reported consistently on all XXXX 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. 

XXXX. XXXX Account XXXX : 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 incorrect date of last payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX incorrect date of last payment XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Account Number : Also Known As : HAY, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX I anticipate swift action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me 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