Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I discovered that four credit cards were taken out in my name, after I was denied a loan. As a result, I filed an FTC identity theft report, a XXXX Police Report, and I have disputed this with XXXX XXXXXXXX. On this day, I filed an online dispute with Transunion, but only included an online copy of the FTC report. I planned to submit additional documentation in the mail. 

Further, I submitted a letter, through the mail on XX/XX/XXXX disputing these credit cards as a victim of identity theft and providing requisite documentation. Herein, I provided additional documentation : the paper copy of an FTC report ; a police report ; bank statements ; W2 history showing address history ; and a drivers license. 

On XX/XX/XXXX, they closed the online dispute, claiming that they verified the accounts I identified as being there as a result of identity theft, as accurate. 

On XX/XX/XXXX, I called to re-open a dispute as I had not received confirmation that my XX/XX/XXXX documentation was considered in my first dispute. On XX/XX/XXXX, I received online notice three days after I asked for the dispute to be re-opened that the dispute was resolved. Transunion denied my claim, alleging that they had verified the fraudulent credit cards to be accurate despite my statement and evidence to the contrary.

Per 605B of the Fair Credit Reporting Act, they are required to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of this information. They are required to do so after receipt 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. 

In my XX/XX/XXXX mailing, I met the above requirements. I provided appropriate proof of identity with a driver 's license and a W2 indicating my social security number. I provided a copy of an identity theft report and a police report. In a letter such as this, I identified the fraudulent accounts in question. In this same letter, I explained that they were taken out without my consent and I had no knowledge of nor used the accounts in question. As such, you must remove the disputed accounts from my credit file. 

On XX/XX/XXXX, I mailed them this information once more. I sent : Proof of identity : a drivers license and a W2 A copy of an identity theft report : A Police Report and an Identity Theft Report Identification of the fraudulent information : This letter, identifying the disputed accounts A statement by the consumer that the information is not information relating to any transaction by the consumer : This letter, identifying the disputed accounts as taken out without my consent as a result of identity theft. 

I asked them to remove the disputed accounts from my credit record to comply with the Fair Credit Reporting Act. I also asked them to remove the phone number which was used to fraudulently open the account in my name, which does not belong to me, from my credit report. 

Finally, I asked them to provide me written explanation in the mail should they fail to comply. 

I have sent them the required documentation multiple times over and they continue to fail to remove these fraudulent accounts from my record, only exacerbating the effects of the identity theft.

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