Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9154231
Complaint Overview
Complaint ID: 9154231
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: Personal information incorrect
State: California
ZIP Code: 92335
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am writing to clarify and correct several inaccuracies that have appeared on my credit report. These inaccuracies are not reflective of my true identity and need to be resolved promptly. Firstly, the only accurate way my name should be reported on my credit report is XXXX XXXX XXXX. Any other variation or misspelling of my name is incorrect. The following are not me and should be deleted from my report immediately : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX Secondly, my only phone number is ( XXXX ) XXXX. Any other phone number reported on my credit report is incorrect and should be removed. Regarding my employment history, my former or current employers are not XXXX or XXXX. These should be deleted from my report as they are inaccurate. My date of birth is XX/XX/year>. Any other date of birth listed on my credit report is incorrect and needs to be corrected. Under the Privacy Protection Act, these inaccuracies must be updated to reflect accurate information in good faith. I request that these corrections be made promptly to ensure my credit report accurately reflects my identity. In addition, I request the removal of the following inquiries from my credit report as they were not authorized by me and are a violation of 15 USC 1681c-2, which mandates the immediate removal of such inaccuracies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be removed immediat ely as they are unauthorized and incorrect . I believe the following laws support my claims and demonstra te the obligations of the reporting agencies and the furnisher in ensuring the accuracy of my consumer report : XXXX. 15 USC 1681- Fair Credit Reporting Act ( FCRA ) : This law requires credit reporting agencies to maintain accurate and fair consumer credit information. The inaccuracies in my report violate this fundamental requirement. XXXX. 15 USC 1681c-2 - Block of Information Resulting from Identity Theft : This law mandates the immediate removal of any information resulting from identity theft, including unauthorized inquiries. The inquiries listed above should be removed immediately as they are unauthorized and incorrect. XXXX. 16 CFR 313 and 16 CFR 313.7 : These regulations pertain to the privacy of consumer financial information. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. XXXX. 15 USC 6508 - Privacy Rights Act : This section protects privacy rights, further emphasizing the need for accurate reporting of my information. The inaccuracies in my report violate these privacy protections. XXXX. 12 CFR 226.5 ( a ) ( 2 ) : This regulation requires clear and accurate disclosures regarding credit terms. The inaccuracies in my credit report undermine this requirement as they misrepresent my credit history and status. XXXX. 15 USC 6805 ( a ) - Enforcement : This section outlines the enforcement of the Privacy Protection Act and mandates that federal functional regulators ensure compliance with the protection of consumer information. This law defends my claim by mandating the correction and protection of my personal information against inaccuracies and unauthorized use. Given these legal protections, I request that these inaccuracies be corrected and the unauthorized inquiries be removed promptly to ensure my credit report accurately reflects my identity. I expect a response and corrective action within five business days.
Frequently Asked Questions
What is Complaint #9154231 about?
Complaint #9154231 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 2024-06-02T12:00:00-05:00.
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.