Consumer complaint received 2024-11-15
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Re : FTC XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies that have been identified on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected promptly. The information being reported is not only incorrect but also appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without the assistance of any third party. For your reference, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint related to this matter. 

In addition to my dispute, I would like to reference relevant case law where TransUnion has previously been held accountable for similar violations. In XXXX XXXX Trans Union LLC ( XXXX ), TransUnion was found liable for reporting inaccuracies and failing to delete erroneous accounts, a violation of the FCRA. Furthermore, the case of United States XXXX TransUnion LLC ( XXXX ) underscores the company 's ongoing violations of the FCRA, resulting in significant penalties. 

The specific violations I am addressing include the following : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : TransUnion has mishandled consumer reports by inaccurately reporting debt collection information, in potential violation of the FDCPA. 



XXXX. Fair Credit Reporting Act ( FCRA ) : Numerous allegations have been made against TransUnion for violations of the FCRA, as seen in cases like XXXX XXXX Trans Union LLC. 



XXXX. Attorney General Action : As noted in United States v. TransUnion LLC ( XXXX ), government enforcement actions have been taken against TransUnion for failure to comply with FCRA provisions. 




In light of these violations, I request immediate removal and correction of the following erroneous accounts from my credit report under 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within XXXX business days of receipt : XXXX. XXXX ( XXXX ), # XXXX, XX/XX/XXXX, {$1600.00} XXXX. XXXX ( XXXX ), # XXXX, {$1800.00} XXXX. XXXX XXXX ( XXXX XXXX ), # XXXX, {$770.00} XXXX. XXXX XXXX, # XXXX, {$270.00} XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$18000.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} ( Closed ) XXXX. XXXX, # XXXX, {$880.00} XXXX. XXXX, # XXXX, {$840.00} XXXX. XXXX XXXX, # XXXX, {$300.00} XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$1000.00} XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$630.00} XXXX. XXXX XXXX, # XXXX, {$4800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$350.00} XXXX. XXXX XXXX XXXXXXXX, # XXXX, {$300.00} XXXX. XXXX, # XXXX, {$690.00} XXXX. XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX. XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$16000.00} XXXX. XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$680.00} XXXX. XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$650.00} Additionally, please remove the following inquiry from my report : XXXXXXXX XXXX  XXXX, XX/XX/XXXX I trust that TransUnion will take this matter seriously and resolve these issues in accordance with federal law. I expect confirmation that these disputed items have been removed and my report has been corrected. 

Thank you for your prompt attention to this matter. Please feel free to contact me should you require any additional information. My address is correct and matches the identification provided. 

Sincerely, XXXX XXXX