Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report DearTransunion, I hope this message finds you well. I am writing to urgently address critical discrepancies found in my credit report that blatantly disregard the regulations stipulated in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors remain in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the precise collection and reporting of consumer credit information. Its mandate is to ensure accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby upholding transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I hold specific entitlements, including : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and sustained invalidation. Their existence has caused significant distress, notably affecting my recent credit application, which was denied due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 


I anticipate swift and comprehensive action to address these violations within the FCRA 's mandated timeframe. Should compliance falter, I will unfortunately have no alternative but to seek legal redress to ensure my rights under the FCRA are fully respected. 

Sincerely, XXXX 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 explanation