Consumer complaint received 2023-12-17
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Needed : Rectifying FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am urgently reaching out regarding critical discrepancies discovered in my credit report, which directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that numerous errors persist in my credit profile, indicating a significant oversight of FCRA compliance 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 primary goal is to ensure the accurate acquisition, retention, and disclosure of a consumer 's credit data, fostering transparency and fairness in credit reporting practices. 

Instances of FCRA violations identified in my report encompass : Provision of inaccurate financial data by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by agencies. 
Neglect of mandated protocols for handling disputes. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, particularly for employment-related purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request rectification or removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to legally defined timeframes. 
I formally request the immediate rectification of the listed items below. These items blatantly violate FCRA standards due to inaccuracies, lack of verification, and ongoing invalidation. Their presence has caused significant distress, notably impacting my recent credit denial due to errors originating from your agency. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

6. 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. 

7. 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. 




I expect prompt and comprehensive action to rectify these violations within the FCRA 's stipulated timeframe. Failure to comply will regrettably necessitate my pursuit of legal measures to uphold my rights under the FCRA. 

Sincerely, XXXX XXXX