Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate information on my credit report and highlight multiple violations of the Fair Credit Reporting Act ( FCRA ) by various creditors. The following accounts have been reported with incorrect data, which has adversely impacted my financial standing and overall well-being : XXXX XXXX  XXXX Account XXXX : XXXX and XXXX These accounts have been inaccurately reported as having late payments, which never occurred. I am deeply troubled by the fact that false information is being used against me. I have never been late with any payments, and I demand that this harmful incorrect data be removed immediately from my credit file. The inaccuracies have caused me unnecessary stress and concern, affecting both my financial well-being and emotional state. 

XXXX : Account Number : XXXX I have no recollection of this account, and it is not possible for it to be associated with me. I urge you to remove this frivolous account from my credit report. Keeping an account that I am unfamiliar with negatively impacts my financial reputation and raises concerns about the accuracy of my credit report. 

XXXX XXXX  : Account Numbers : XXXX and XXXX I strongly dispute any association with XXXX XXXX, as I have no recollection of being connected to this company. The continuous verification of these accounts raises serious doubts about the accuracy of the information being reported. I demand that these frivolous accounts be removed from my credit file immediately to ensure the integrity of my credit report. 

XXXX : Account Number : XXXX Similar to the above instances, I have no recollection of this account and demand its removal from my credit report. The presence of unknown and unverified accounts tarnishes my creditworthiness and must be rectified. 

XXXX : Account Number : XXXX XXXX : Account Number : XXXX CAPITAL XXXX : Account Number : XXXX For these accounts, I have no recollection of their existence and insist that they be removed from my credit report immediately. The reporting of these accounts, which I have no knowledge of, calls into question the accuracy and legitimacy of my credit profile. 

These inaccuracies have caused considerable distress, as my financial reputation is unjustly compromised due to information that is not only inaccurate but also unfamiliar to me. I implore the Consumer Financial Protection Bureau to enforce the FCRA and rectify these violations. The emotional and financial toll that these inaccuracies have taken on me is immeasurable. 

I kindly request that you intervene on my behalf and ensure the prompt removal of these unverified accounts from my credit report. Additionally, I ask that a thorough investigation be conducted to address the damages caused by these inaccurate and frivolous entries. 

Thank you for your attention to this matter. I am appreciative of your assistance in resolving these violations and helping me restore accuracy and integrity to my credit report. 

Sincerely, XXXX 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