Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contesting inaccuracies in my credit report, specifically related to personal information and unauthorized credit inquiries. Here 's what happened : Incorrect Personal Information : The credit report contains several inaccuracies, including incorrect names, addresses, and date of birth. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumer reporting agencies correct any inaccurate or incomplete information upon notification of a dispute. 
I am disputing various entries, such as the incorrect name ( XXXX XXXX instead of XXXX XXXX XXXX ), the incorrect date of birth ( listed as XXXX, instead of my actual date of birth, XX/XX/XXXX ), and several incorrect addresses, including a previous address in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These details do not match my current or accurate personal information. Under 15 U.S.C. 1681c, only accurate and verifiable personal data should be reported.

Unauthorized Credit Inquiries : There are unauthorized credit inquiries on my report, specifically from XXXX XXXX on XX/XX/XXXX, which I did not authorize. According to 15 U.S.C. 1681b, credit inquiries can only be made for permissible purposes, and I do not recall authorizing these inquiries. 
As these inquiries lack proper authorization, I am requesting that they be removed from my credit report unless the entities involved can provide documented proof of my consent. This proof would need to include evidence of a signed application or any documentation showing that I authorized the inquiries. 
Request for Compliance and Documentation : I am exercising my rights under the FCRA and the Metro 2 reporting standards, which require that all credit data be accurate, complete, and verifiable. I am formally requesting that the credit reporting agency provide physical documentation of the evidence that supports the presence of the disputed accounts or inquiries.

If such documentation can not be provided within the 30-day period mandated by the FCRA ( 15 U.S.C. 1681i ), I am entitled to have these items removed from my credit report. Furthermore, I am requesting an updated credit report reflecting these corrections. 
Legal Obligations and Non-Compliance : The credit reporting agency is legally obligated to handle my dispute in compliance with the FCRA. If they fail to rectify these inaccuracies, I will consider taking legal action for non-compliance. As stated in 15 U.S. Code 1681i ( a ), the agency has a 30-day window to resolve disputes and provide a written response.

In summary, my credit report contains incorrect personal information and unauthorized inquiries that should not be reported. I have requested that these inaccuracies be corrected and that any unverified or unauthorized entries be removed. If these issues are not addressed promptly, I will pursue legal action to ensure my consumer rights are upheld under the FCRA.