Consumer complaint received 2024-10-04
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. (TX)

I, XXXX XXXX XXXX am filing this formal complaint regarding numerous inaccuracies and unauthorized inquiries on my credit reports with XXXX, XXXX, and TransUnion. Despite multiple efforts to rectify these errors, the credit reporting agencies have failed to remove incorrect personal information, unauthorized inquiries, and unverified accounts. These issues are significantly affecting my credit score, and I am now seeking your immediate intervention to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Incorrect Personal Information My credit report contains multiple incorrect entries regarding name variations and addresses that are not linked to me : Incorrect Name Variations : 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 XXXX XXXX XXXX XXXX XXXX Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. These entries must be removed immediately as they are incorrect and unrelated to me. 

2. Unauthorized Hard Inquiries Several inquiries have been placed on my credit report without my authorization. These are clear violations of 15 U.S. Code 1681b, which requires express written consent for inquiries into a consumers report. The following unauthorized inquiries must be deleted from my credit report immediately 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 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 XXXXXX/XX/XXXX These inquiries were made without my permission and have negatively impacted my credit score. I demand their immediate removal.

3. Unverified and Incorrect Accounts There are several accounts that have been reported inaccurately or remain unverified on my credit report. These accounts have not been properly validated and are in violation of 15 U.S.C. 1692g and FCRA Section 623. These accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX This account was not updated correctly, violating 15 U.S.C . 1666 ( b ) ( Truth in Lending Act - TILA ), which mandates accurate billing and correction of errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized this account. Under 15 U.S.C. 1681b, I demand the immediate removal of this unverified account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unverifiable and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX : XXXX This account has not been validated properly and must be removed in accordance with 15 U.S.C. 1692g. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account has been reported without my authorization, in violation of 15 U.S.C. 1681b, and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account must be removed under 15 U.S.C . 1692g, as it has not been properly validated. 

Legal Basis for My Dispute FCRA Section 611 ( a ) ( 1 ) ( A ) : Provides the right to dispute and correct inaccurate or unverifiable information on credit reports.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Requires furnishers of information to provide accurate information and correct errors. 
15 U.S.C. 1681b : Prohibits unauthorized access to a consumers credit report without written consent.

15 U.S.C. 1692g : Requires validation of debts, and any unvalidated debts must be removed from credit reports.

15 U.S.C. 1666 ( b ) : Mandates the correction of billing errors and requires that creditors report accurate payment histories.

15 U.S.C. 1681n : Provides for civil liability for willful non-compliance with the FCRA, including statutory damages for each violation