Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX : XXXX Date of Birth : XXXX  Subject : Urgent Attention Needed : Rectifying FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am urgently contacting you regarding significant discrepancies present in my credit report, directly contravening the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). It has come to my attention that multiple errors persist in my credit profile, indicating a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a crucial federal statute governing the collection and reporting of consumer credit information. It mandates the proper acquisition, retention, and dissemination of a consumer 's credit data, including provisions for transparent information sharing with consumers. 

Instances of FCRA violations include : Creditors furnishing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to similarities in names or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and persisting invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXX. XXXX 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. 

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. 

XXXX. XXXX 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. 

XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

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

XXXX. XXXXXXXX XXXX  Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 



I anticipate prompt action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will regrettably leave me no option but to pursue legal measures to ensure my rights under the FCRA are honored. 

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