Consumer complaint received 2023-12-12
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. (NY)

Subject : Urgent Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I'm writing urgently to address substantial discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit profile, it's evident that multiple errors persist, signaling a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a vital federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies merging individuals ' information based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes 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 information in my file has been used against me in credit applications or other transactions. 
Dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Request removal of outdated negative information, usually after XXXX years or XXXX in cases of bankruptcy. 
I formally request the immediate removal of the listed items below. These items flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably impacting my recent credit denial due to errors originating from your agency. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This address is not correct. Delete it immediately from my report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX MTR Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 


I expect swift action to rectify these violations within the XXXX timeframe. Failing to comply will regrettably compel me to pursue legal measures to uphold my rights under the FCRA. 

Sincerely, XXXX XXXX