Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Round Dispute Regarding Inaccurate Information - Credit Report Number : XXXX Dear CFPB IAm asking for your assistance and TransUnion Dispute Resolution Team, I am writing to formally dispute the continued inaccuracies on my credit report ( Report Number : XXXX ) and to bring to your attention that these issues remain unresolved despite my prior attempts to correct them. This is now the second round of dispute correspondence, and I am requesting immediate action to resolve these inaccuracies. 
The following issues remain unresolved : XXXX XXXXXXXX XXXX XXXXXXXX Late Payments Reported Incorrectly : XXXX XXXXXXXX XXXX XXXXXXXX has reported late payments that are, in fact, inaccurate and unlawful. Under 15 U.S.C. 1666 ( b ), it is illegal for any creditor to report late payments if they are incorrect or if the payment history was made timely. I have consistently paid my bills on time and take my credit obligations seriously. I request an immediate review and correction of these inaccurately reported late payments. 
Unauthorized Inquiry XXXX XXXX : I noticed an inquiry from XXXX XXXX  on my report. I did not provide written consent for this inquiry, as required by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, I am entitled to not have my credit report accessed without proper authorization. Please investigate this inquiry and remove it from my credit report if it was made without my consent. 
Incorrect Contact Information and Address : My credit report contains the following incorrect phone numbers and address : Phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never used or been associated with these phone numbers or addresses. These discrepancies must be corrected immediately. 


Given that I have already filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding these issues and have provided all required documentation, I am seeking monetary relief in accordance with the provisions of the Fair Credit Reporting Act. I request that TransUnion provide me with the following : A full investigation into these disputes and a resolution that removes any incorrect information from my credit report. 
An update on the status of my dispute within the required 30-day period as outlined under the FCRA.

A formal explanation and documentation of how these inaccuracies were initially reported.

If these matters are not resolved promptly and to my satisfaction, I will be forced to consider further legal actions to protect my rights under the Fair Credit Reporting Act, including seeking damages for any harm caused by these inaccuracies. 
I expect a response and correction of these issues within the statutory time frame of 30 days. Please provide me with written confirmation of the actions taken to resolve these disputes. I am sure that the cfpb will assist me on making sure my rights are not being violated Sincerely, XXXX XXXX XXXX Ssn - XXXX