Consumer complaint received 2024-08-22
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. (CA)

CFPB can you please investigate why they are reporting inaccurate information on my report, under an UNKNOWN name that does not belong to me. They keep verifying information under this name, which is clearly not my name as you will see in my documents. The name is not mine, nor are the accounts associated to this name. 



Subject : Urgent Request for Address Update and Account Removal Dear TransUnion, My name is XXXX XXXX XXXX. I am writing to request that you update the mailing address on my account to the following : New Mailing Address : XXXX XXXX XXXX # XXXX Additionally, I ask that you remove any accounts associated with the name " UNKNOWN NAME OF XXXX XXXX. '' This name does not belong to me, and I do not recognize or have any connection to any accounts under that name. Please ensure these accounts are removed from my credit report immediately. The specific accounts that need to be removed are as follows : XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX  Partial Acct # XXXX ... 
XXXX XXXX XXXX XXXXXXXX Partial Acct # XXXX 
XXXX XXXXXXXX XXXX  Acct # XXXX... 

Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : * * * * * * * ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Further more I want a copy of 1.Records of Permissible Purpose : Documentation showing that the parties who accessed your credit report had a permissible purpose under the FCRA.

2Disclosure of Information Sources : A detailed list of the sources of the information reported on your credit report, including the names of creditors, collection agencies, and public record sources.

Dispute Investigation Results : Documentation or a summary of the results of any dispute investigation, including any corrections made and the rationale behind the decision.

Verification Documents : Copies of any documents or records the credit reporting agency used to verify the accuracy of disputed information. This can include correspondence with creditors or other data furnishers.

Method of Verification ( MOV ) : A detailed explanation of how the credit reporting agency verified the accuracy of the disputed information, as provided under 15 U.S.C. 1681i ( a ) ( 7 ).
Credit Score Disclosure : A copy of your current credit score, along with the key factors that adversely affected your score and the range of possible credit scores.

Fraud Alerts or Security Freezes : Confirmation of any fraud alerts, XXXX XXXX alerts, or security freezes placed on your account, and documentation of how they are being handled. 
Information Sharing Opt-Out Records : Confirmation that you have opted out of prescreened offers or the sharing of your information with affiliates and the effectiveness of these opt-outs.

List of Inquiries : A list of all entities that have requested or accessed your credit report within the last two years ( for credit purposes ) or the last five years ( for employment purposes ). 
Detailed Account History : A detailed breakdown of each account on your credit report, including payment history, balances, and any derogatory marks or disputes associated with the account. 
Identity Theft Report : If applicable, a summary of how any reported identity theft is being handled and what actions the credit reporting agency has taken in response to your identity theft claim.