Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681EB.

The following TRANSUNION INFORMATION IS INACCURATE : VARIOUS USES OF THE INACCURATE ALIAS NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these aliases have never been my legal name. I have notified TRANSUNION many times and they fail to remove and leave only my Legal accurate name in violation of 1681s-2 My correct name is XXXX XXXX XXXX XXXX 
VARIOUS ADDRESSES I HAVE NEVER LIVED IN ARE NOT BEING REMOVED even in violation of 1681s-2 ; after I expressed in writing that this was inaccurate.

My Correct and only address is XXXX XXXX XXXX XXXX, XXXX Texas XXXX. 
EMPLOYERS : XXXX XXXX XXXX XXXX XXXX I do not know who this EMPLOYER is and it can be identify fraud, I need it removed. 
ACCOUNTS Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account name : # XXXX {$1500.00} Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX {$34000.00} Account name : XXXX XXXX Account # XXXX {$3200.00} Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE  INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : TRANSUNION AND THE ABOVE CREDITORS I believe has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any re investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate