Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have been the victim of identity theft. Under the federal law known as the Fair Credit Reporting Act, a consumer reporting agency, such as Transunion, must block fraudulent accounts from appearing on my personal credit report when certain documents are received. 
I have sent all the documentation required for a block as required by the FRCA. Transunion 's phone reps have acknowledged, in each of my several phone calls, thatTransunionhas received all the required documentation to fulfill the requirements for a block. Yet, inexplicably, they refuse to implement the blocks that they are required by law to put in place. 
I have heard things like, " We reserve the right to make our own business decisions despite what the law says, '' and, " We can't abide by the four day removal rule since it takes much longer for us to process paperwork, '' and, of course, " No one here knows how to do that. '' I have had supervisors misquote FCRA 605B, claiming that it gives them discretion to do what they want with a credit file for any reason they choose. I have been given no valid reason for Transunion 's failure to comply with the law and have been given no explanation of a legal basis for doing so ( because there is none ). 
I have been given the runaround, transferred from department to department, and have been told that there is no one that can help me. All of this has been in the hope that I will give up and go away. I will not give up. I will not go away. I have been the victim of identity theft and Transunion is REQUIRED to take action under the law.FCRA 605B specifically states that : '' ... 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 '' .While this same section does afford authority to rescind or decline a block, very specific criteria must be met in order to do so : '' ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency REASONABLY determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. " There is no reasonable basis to decline a block of the accounts listed on my FTC Identity Theft Report. The burden to prove a reasonable basis is on Transunion and must be supported by evidence. Clearly there is no evidence, and, clearly, Transunion is in willful noncompliance with the law.I have already filed complaints with the federal Consumer Financial Protection Bureau, the Attorney General of Washington State, and the Attorney General of Pennsylvania. It has been many more than 4 days since Transunion received my documents. If immediate action is not taken to block these fraudulent accounts, I will be filing suit in federal court, and I will be contacting every media and consumer protection organization that I can. I will also seek out an attorney interested in filing a class action suit, as I'm sure there are many others like me who arevictimsof Transunion.Transunion is breaking the law and victimizing a military veteran and identity theft survivor. Please stop this immediately.Please see the attached documents.

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