Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FACTS On XX/XX/XXXX, my identity/SSN was fraudulently used to attempt to open accounts with at least three different companies. I was alerted by XXXX of the activity. Because I was then engulfed in a life crisis and didnt have the bandwidth to deal with it at the time, I logged onto each bureaus website and placed a security freeze on my credit file to stop the thief from using my identity to apply for anything else while I was engulfed. 

Eventually, things settled down and I reached out to XXXX and informed them of the fraudulent activity. They immediately initiated an investigation and subsequently removed from my credit file all of the related credit inquiries and the false employer information provided by the thief. I was mistakenly under the impression that XXXX investigation would communicated to any other bureau reporting the same fraudulent information. 

On XX/XX/XXXX at approximately XXXX PST, after spending numerous days over a period of weeks on their website trying to figure out how to initiate a dispute regarding the inquiry and false employer information, I determined that the fraudulent information was not disputable online. I located a so-called " fraud hotline '' ( XXXX ) XXXX their site and gave them a call. After 10-15 minutes on hold, I was connected to an agent, XXXX. XXXX proceeded to verify my identity through a series of identity verification questions. Once Id satisfied him of my identity, I was invited to explain the reason for my call. 

I explained that ( 1 ) the XX/XX/XXXX inquiry by XXXX XXXX was not related to any request made by me and ( 2 ) the employer information reported simultaneous with that inquiry was false and related to the fraudulent attempt to obtain credit with XXXX XXXX. In response, XXXX declared that he went ahead and deleted everything, but then contradicted that statement by saying that he could not delete the inquiry. He went on to tell me that in order for Transunion to delete the inquiry, I needed to obtain written permission from the company that gained unauthorized access to my credit file via the thief, and that was all he could do. 

I re-iterated the nature of my dispute, and I insisted on an investigation and removal accordingly. Notwithstanding my insistence and his apparent understanding of the nature of the issue, XXXX repeated his canned talking points. I requested a supervisor and was placed in what I assume was an unmonitored queue. I waited on hold for over 50 minutes before tapping out. 

ISSUE Transunions failure to investigate a report of fraud, which it continues to broadcast to others via my credit file ( now knowingly ), is a violation of my rights under the FCRA, and a breach of their obligations under the FCRA. 

The FCRA requires Transunion to ( a ) conduct a reasonable investigation concerning my report and ( b ) update its records within 30 days. Transunions insistence that I undertake a DIY project and obtain permission from the fraudulent creditor -- and let them know how it works out -- is an unambiguous violation of my rights -- and a breach of their obligations -- under the FCRA.

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 explanation