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 of FCRA Violations in My Credit Report Needed Dear Transunion, I am writing urgently to address significant discrepancies in my credit report that violate the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit profile, it's evident that multiple errors persist, indicating a concerning oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. Its mandate ensures the accurate acquisition, retention, and disclosure of a consumer 's credit data, fostering transparent information sharing with consumers. 

Instances of FCRA violations in my report 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 have the right to : Verify the accuracy of my report, particularly 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Request the removal of outdated negative information, typically after seven years or ten in cases of bankruptcy.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 significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably influencing 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, NY XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX  Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. The following personal information is incorrect 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. 

XXXX. The following personal information is incorrect 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. 

XXXX. The following personal information is incorrect 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. 

XXXX. The status is incorrect for the following account 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. 

XXXX. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX 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. 

XXXX. The status is incorrect for the following account 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. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. 
XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

XXXX. 
XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I anticipate prompt action to rectify these violations within the FCRA-mandated timeframe. Failing 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 XXXX XXXX