Consumer complaint received 2023-12-13
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. (VA)

Subject : Urgent Correction Needed : FCRA Non-Compliance in Credit Report Dear Transunion, I hope this message finds you well. I'm reaching out urgently regarding critical inconsistencies discovered in my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that several inaccuracies persist within my credit profile, signaling a concerning oversight of FCRA regulations within your agency. 

To provide clarity : The Fair Credit Reporting Act serves as a fundamental federal statute governing the collection and reporting of consumer credit information. Its mandate encompasses the accurate gathering, retention, and fair dissemination of consumer credit data, accompanied by provisions for transparent information sharing with consumers. 

Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies. 
Agencies combining individuals ' data due to similarities in names or social security numbers. 
Neglect of prescribed protocols when managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to specific rights : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been utilized against me in credit applications or other transactions. 
The ability to dispute and request the correction or removal of incomplete, erroneous, or unverifiable data from bureaus. 
The removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate rectification of the listed items below. These items clearly breach FCRA standards due to their inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused significant distress, as evidenced by my recent denial of extended credit owing to errors originating from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
I anticipate swift action to address these violations within the timeframe stipulated by the FCRA. Failure to comply may necessitate legal action to ensure my rights under the FCRA are duly honored. 

Warm regards, XXXX XXXX