Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to formally lodge a complaint regarding a recent interaction I had with XXXX of your representatives, XXXX XXXX XXXX. This communication pertains to issues concerning the misrepresentation of TransUnion and a refusal to comply with my requests under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I engaged in a conversation with XXXX XXXX, during which he claimed to represent TransUnion and implied that he was an official representative of the credit bureau. However, subsequent research has revealed that this representation was inaccurate, and I have reason to believe that XXXX XXXX 's actions were deceptive. 

Furthermore, I had contacted XXXX XXXX to request information in accordance with the FCRA, specifically under the provisions of XXXX XXXX Code XXXX regarding procedures in the case of disputed accuracy. During our conversation on XX/XX/2023, XXXX XXXX refused to provide the requested information, specifically : XXXX. **The business name and address of any furnisher of information contacted : ** I expected this information in accordance with the FCRA provisions to assist in resolving disputes related to the accuracy of my credit report. 

Additionally, I had reported to XXXX XXXX that I am a victim of identity theft. According to 15 U.S. Code 1681i, a consumer reporting agency is obligated to remove information resulting from alleged identity theft upon receiving appropriate proof of identity, an identity theft report, identification of the information in dispute, and a statement that the information is not related to any transaction by the consumer. Despite my identification as a victim of identity theft and the provision of necessary documentation, this information has not been addressed or removed from my consumer report. 

I am deeply concerned about the misrepresentation of TransUnion, the refusal to provide essential information in compliance with federal law, and the failure to address the identity theft-related issues promptly. 

I kindly request that TransUnion thoroughly investigate this matter, take appropriate action to address these concerns, and provide a written response outlining the steps taken to rectify the situation. Please ensure that my credit report is updated in accordance with the FCRA and that the misleading actions of your representative are addressed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


FRAUD ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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