Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX  Subject : Urgent Request : Immediate Rectification of FCRA Violations in Credit Report Dear Transunion, I hope this message finds you well. I am urgently contacting you regarding critical discrepancies identified in my credit report that directly contradict the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Upon review, it has become evident that multiple errors persist within my credit profile, signaling a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on name or social security number similarities. 
Neglect of prescribed protocols by agencies in handling disputes. 
My rights under the Fair Credit Reporting Act entail : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information within my file has been utilized 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Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items unmistakably breach FCRA standards due to inaccuracies, lack of verifiability, and consistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, stemming from errors originating from your agency. 

1. XXXX  XXXX bankruptcy discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

2. XXXX  XXXX bankruptcy dismissed Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

3. The inquiry was not authorized 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! 

4. The inquiry was not authorized 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! 

5. The inquiry was not authorized 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! 

6. XXXX XXXX XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

7. 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. 


I earnestly anticipate swift action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will, unfortunately, necessitate my pursuit of legal measures to ensure my rights under the FCRA are duly respected. 

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