Consumer complaint received 2023-12-11
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. (OH)

Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I'm writing with urgency regarding significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it's evident that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To underscore the critical points : The Fair Credit Reporting Act is a vital federal statute that regulates the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credit, a direct consequence of errors originating from your agency. 

1. The following personal information is incorrect Account Number : Employers : NOT APPLICABLE 2. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX XXXX 3. XXXX XXXX bankruptcy discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

4. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

6. XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

7. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

8. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

9. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

10. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 12. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 13. The following personal information is incorrect Account Number : Employers : NOT APPLICABLE 14. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX XXXX I kindly ask for prompt action to rectify these violations within the FCRA-mandated timeframe. Failing to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX