Consumer complaint received 2024-06-12 00:00:00
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.
State: GA

Complaint narrative:
I am writing to address a matter of utmost importance regarding an erroneous account that has been inaccurately reported on my credit file. On XXXX XXXX, 2024 and XX/XX/2024, I submitted a request to TransUnion, inquiring about the method and proof utilized to verify the account in question, as it was reported as verified. Despite federal regulations mandating a response within 15 days, I have yet to receive any communication or acknowledgment from your bureau. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report9, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This account, which has been erroneously attributed to my credit profile, poses a significant threat to my financial well-being and reputation. I have taken every necessary step to rectify this discrepancy, yet the lack of response from TransUnion and XXXX XXXX XXXX only exacerbates the situation. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), it is explicitly stated that credit bureaus must promptly investigate any disputed information and respond to the consumer within a reasonable timeframe. Your failure to adhere to this federal statute is a clear violation of my rights as a consumer.

Furthermore, it is imperative to note that Transunion is the sole reporting agency documenting this erroneous account. This raises concerns regarding the accuracy and integrity of the bureau 's reporting practices. The FCRA Section 611 ( a ) ( 5 ) ( A ) mandates that credit reporting agencies must ensure maximum possible accuracy of the information contained in consumer reports. By allowing inaccuracies to persist, your bureau is in direct violation of this provision. 

Therefore, I demand immediate deletion of the erroneous account from my credit file in accordance with the FCRA Section 611 ( a ) ( 5 ) ( A ). Additionally, I expect full compliance with the FCRA Section 611 ( a ) ( 7 ), which stipulates a timely response to consumer disputes. Failure to address this matter promptly will compel me to pursue legal recourse to protect my rights and interests.

Please remove the item from my credit report, immediately : XXXX 's XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief