Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Items from Credit Report Under Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally request the removal of certain items from my credit report maintained by TransUnion, XXXX, and XXXX, pursuant to the provisions outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

As per my rights under the Fair Credit Reporting Act, I have thoroughly reviewed my credit report and identified inaccuracies that require immediate attention. The discrepancies I have found are as follows : Inquiries : XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX Closed Accounts : XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account is removed from XXXX report and should be removed on TransUnion ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported and is also purchased twice from the original creditor XXXX ) I have previously contacted TransUnion, XXXX, and XXXX regarding these inquiries and accounts with no results. These inaccuracies have been hindering my ability to get my life on track. I have requested numerous times to have these items removed. 

These inaccuracies have a significant impact on my creditworthiness and are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and its amendments.

I kindly request that the respective credit reporting agencies conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made and the inaccurate items have been removed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), I am entitled to a fair and accurate credit report. Failure to comply with this request within the required timeframe may result in further action, including legal recourse. 

Enclosed with this letter are copies of documents supporting my claim and verifying the inaccuracies mentioned above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the inaccurate items from my credit report. 

Sincerely, XXXX 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