Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a complaint against TransUnion LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

As a veteran, I have unfortunately been a victim of both the XXXX XXXX XXXX XXXX ( XXXX ) data breach and the XXXX data breach. These incidents have made me particularly vulnerable to identity theft and inaccuracies in my credit report. 

According to the credit report provided by TransUnion, file number XXXX, there are several inaccurate addresses associated with my credit file that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed this inaccurate information with TransUnion, but they have failed to conduct a proper investigation and remove the erroneous details as required under FCRA section 611 ( 15 U.S.C. 1681i ). The continued presence of this inaccurate personal information is harming my creditworthiness. As a veteran who has already suffered from data breaches, this is particularly distressing. 

Additionally, I requested that TransUnion provide me with a hard copy of my full credit report mailed to my current address at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. However, they have neglected to fulfill this request, violating my right to access my credit information under FCRA section 612 ( 15 U.S.C. 1681j ). 

TransUnion 's failure to maintain maximum accuracy of the information in my credit file and provide my full credit report upon request constitute clear violations of the FCRA. I am therefore lodging this formal complaint and asking the CFPB to fully investigate these FCRA infractions and take appropriate enforcement actions against TransUnion to the fullest extent of the law. TransUnion must be compelled to remove all inaccurate information from my credit file and provide me a copy of my complete report promptly. 

As a veteran who has been a victim of multiple data breaches, I am relying on the CFPB to protect my rights and ensure the accuracy of my credit information. Thank you for your attention to this matter. I look forward to your timely response and thorough investigation to uphold my consumer rights under the FCRA.