Consumer complaint received 2023-12-15
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 SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in My Credit Report Dear TRANSUNION, I hope this message finds you well. I am writing to urgently address significant discrepancies uncovered in my credit report that directly violate the guidelines set by the Fair Credit Reporting Act ( FCRA ). Upon a recent review of my credit profile, multiple errors have come to light, raising concerns about the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent dissemination of consumer credit data. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on name or social security number similarities. 
Agencies disregarding prescribed protocols for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Be informed if information in my file has been used against me in credit applications or other transactions. 
Dispute and request bureaus rectify and expunge incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed in compliance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced by my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX This address is not correct. Delete it immediately from my report. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



I trust in your prompt action to rectify these violations within the specified timeframe mandated by the FCRA. Failing compliance will, regrettably, necessitate pursuing legal measures to ensure my rights under the FCRA are fully 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