Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, South Carolina XXXX SS # : XXXX Date of Birth : XXXX  Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I'm urgently reaching out to address significant discrepancies in my credit report that directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). It's concerning that multiple errors persist in my credit profile, signaling a notable oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection, reporting, and precision of consumer credit information. It emphasizes the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed protocols for dispute resolution by agencies. 
Under the Fair Credit Reporting Act, I have specific rights : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information from my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of 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Removal of outdated negative information, typically after seven years, or ten in cases of bankruptcy.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 significantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has led to considerable distress, notably evident in my recent denial for extended credit due to errors originating from your agency. 
1. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. XXXX XXXX  bankruptcy discharged Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed. 

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

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

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. 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. 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. 

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

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

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

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

XXXX. The inquiry was not authorized XXXX 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 I was never late on this account. Please remove those late payments. 

XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXX LNS Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

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

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

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

XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 



I expect swift action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will, regrettably, leave me no choice 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