Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last year on the XXXX of XXXX I requested that XX/XX/XXXX account # XXXX be deleted from my consumer report since this item is unverifiable and fraudulent! I further requested that an investigative report be performed, and the findings of the investigation be forwarded to me. 
I also informed them that I was a victim of a college data breach whereas all of my personal information were stolen and forwarded them a copy of the notice from my college as proof along with a copy of my identity thief report and proof of Identity in the form of my State ID and Social Security card that were notarized.. Neither of my two requests were met.

Furthermore, according to the FCRA : 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block As you can see from the XXXX merged example below of all XXXX XXXX XXXX including yours, your agency is the only agency that is continuing to report this unverifiable and fraudulent account. Both XXXX and XXXX rightly and promptly deleted this account and have not since reported. 

SELF / LEAD TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Secured loan XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2019 Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$520.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/2019 Comments : Closed Date Last Active : XX/XX/2019 Date of Last Payment : XX/XX/2019 Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX OK OK OK OK OK OK 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