Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a multitude of inaccuracies and violations present on my credit report that are impacting my credit profile, rights, and financial well-being. The information being reported is not only misleading but also contrary to the provisions established by numerous federal consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), and others. My primary objective is to have these errors promptly corrected to ensure that my rights as a consumer are upheld and my creditworthiness is accurately reflected. 

Name Discrepancy : I have identified an erroneous name being reported on my credit report as " XXXX XXXX. '' My correct and legal name is " XXXX XXXX. '' I request that you immediately correct this name discrepancy to ensure that my credit report accurately reflects my legal identity. 

Address Inaccuracies : I have also identified discrepancies in the addresses listed on my credit report, specifically : XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX These addresses have never been associated with my residence. I request that you promptly remove these inaccurate addresses from my credit report. 

Specific Disputes and Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate account status, balance, and credit limit reported. - Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( B ), and 623 ( a ) ( 2 ). - Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violations : Inaccurate account status, balance, and payment history reported. - Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). - Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate account status, balance, and past due amount reported. - Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). - Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate reporting with unknown payment history. - Violation of FCRA Sections 607 ( a ) ( 1 ) and 623 ( a ) ( 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate account status and balance reported. - Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). - Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ).XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate account status, balance, and past due amount reported. XXXX Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). - Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate credit limit reported. - Violation of FCRA Section 611 ( a ) ( 1 ) ( B ).XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Inaccurate balance, highest balance, and payment history reported.XXXX Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). Fraudulent Inquiries : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Section 604 ( a ) ( 3 ) ( A )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Section 604 ( a ) ( 3 ) ( A ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

I am also addressing the tactics that may be perceived as deliberate stall tactics. I urge you to cease any actions or delays that impede the timely resolution of these disputes, as they violate the FCRA 's mandate to conduct prompt investigations. 

I request a thorough investigation into each of the aforementioned discrepancies and violations as outlined by the FCRA. I anticipate that prompt corrective actions, including the removal or amendment of any inaccurately reported information, will be taken. 

I kindly request a detailed written response containing the findings of your investigation, the measures taken, and an updated credit report reflecting the rectifications made. 

I am fully aware of my rights as a consumer and the extensive protections granted by the federal consumer protection laws mentioned earlier. Should further legal action be necessary to uphold my rights, I am prepared to take the appropriate steps to ensure compliance. 

Thank you for your immediate attention to this matter. For any additional information, you may reach me at [ phone number ] or [ email address ].