Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request to Correct Personal Information and Delete Inaccuracies Dear [ XXXXTransUnion ], I am writing to request the immediate correction and removal of inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Texas Business & Commerce Code 20.06. It has come to my attention that my credit report contains incorrect information, which must be rectified immediately to ensure compliance with federal and state laws. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : ( XXXX ) XXXX Employer : XXXX XXXX I demand the deletion of any and all incorrect names, addresses, phone numbers, employers, or other inaccuracies that do not match the information listed above. 
Legal Basis for My Request : 1. FCRA Compliance Requirements o 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
o 15 U.S.C. 1681i ( a ) ( 1 ) : When notified of a dispute, credit bureaus are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
2. Obligation to Verify Information o 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Information providers must not furnish inaccurate information. If any inaccurate personal data originates from an information provider, the credit bureau must ensure its removal if unverifiable. 
3. State Law Protections o Texas Business & Commerce Code 20.06 : Credit reporting agencies operating in Texas must promptly investigate disputes and correct inaccurate information to avoid penalties. 
4. Potential Violations o Maintaining inaccurate information could result in consumer harm, which may constitute a breach of my rights under both federal and state law. Such violations are subject to penalties, including damages under 15 U.S.C. 1681n and 1681o, allowing recovery of damages for willful or negligent noncompliance. 
Action Requested : I demand that the following steps be taken : Verify all personal information on my credit report. 
Delete any information that does not match the details provided above. 
Confirm the completion of this investigation and provide a corrected credit report within the required 30-day period. 
Enclosed are copies of my identification, Social Security card, and proof of address to assist with verifying my identity. 
Please treat this as a formal notice and act in full compliance with the FCRA and applicable state laws. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SS XXXX XXXX XX/XX/XXXX