Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8016789
Complaint Overview
Complaint ID: 8016789
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 180XX
Date Received: 2023-12-17T12:00:00-05:00
Date Sent to Company: 2023-12-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing urgently to address concerning discrepancies found in my credit report that directly conflict with the guidelines established in the Fair Credit Reporting Act ( FCRA ). Regrettably, multiple errors persist in my credit profile, signaling an oversight of FCRA compliance within your agency. To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. Its core objective is to ensure precise acquisition, retention, and disclosure of a consumer 's credit data, fostering transparency and fairness in credit reporting practices. Identified instances of FCRA violations within my report encompass : Inaccurate financial data provided by creditors to reporting agencies. Merging of individuals ' information based on name or social security number similarities by agencies. Neglect of mandated procedures for handling disputes. Under the Fair Credit Reporting Act, I am entitled to specific rights, which encompass : The right to verify the accuracy of my report, particularly for employment purposes. Notification if information in my file has been used against me in credit applications or other transactions. The authority to dispute and request rectification or removal of incomplete, erroneous, or unverifiable data. Removal of outdated negative information in accordance with legally stipulated time frames. I formally request the immediate rectification of the listed items below. These items glaringly violate FCRA standards due to inaccuracies, lack of verification, and ongoing invalidation. Their presence has resulted in considerable distress, notably affecting my recent credit denial due to errors originating from your agency. 1. XXXX XXXX bankruptcy discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX XXXX DC Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 15. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 17. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. I anticipate swift and comprehensive action to rectify these violations within the timeframe mandated by the FCRA. Failing to comply will, unfortunately, necessitate my pursuit of legal recourse to uphold my rights under the FCRA. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8016789 about?
Complaint #8016789 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-12-17T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.