Consumer complaint received 2023-12-16
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Addressing FCRA Violations in My Credit Report Dear Transunion, I am writing urgently to address critical discrepancies identified in my credit report that starkly contradict the guidelines established by the Fair Credit Reporting Act ( FCRA ). Following a thorough review, it's evident that multiple errors persist within my credit profile, indicating a significant failure in FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It emphasizes the necessity for accurate acquisition, retention, and disclosure of consumer credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, as evident in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX FIN Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

11. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

12. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

13. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

14. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

15. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

16. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

17. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

18. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

19. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

20. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

21. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

22. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

23. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

24. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

25. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 26. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 27. XXXX XXXX Account XXXX : XXXX This account doesn't belong to me. Please remove it from my credit report to avoid any litigation. 



I anticipate swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX