Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX am a victim of identity theft. I started this process XX/XX/XXXX and the fraudulent accounts and inquires continue to report to my credit. This has to stop! I have mailed a copy of my police report as well as a copy of my credit report certified mail with all fraudulent accounts and inquiries circled to TransUnion, XXXX  and XXXX. I have sought out legal council because due to FCRA by laws and regulations all the fraudulent accounts were supposed to be block 4 days after I notified the credit bureaus. Its been a year and nothing has happen. I have opted out of arbitrations and plan on taking full legal action against Transunion, XXXX and XXXX. 

Here below are a list of fraudulent accounts and inquiries per bureau : TRANSUNION ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX   XXXX XX/XX/XXXX $ XXXX {$1500.00} XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XXXX XX/XX/XXXX {$0.00} Transunion Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX  XXXX XXXX XX/XX/XXXX $ XXXX {$1500.00} XXXX XXXX  XX/XX/XXXX {$38.00} XXXX XXXX XX/XX/XXXX {$72.00} XXXX  XXXX  XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX/XXXX XXXX  XX/XX/XXXX {$810.00} XXXX/XXXX   XXXX   XX/XX/XXXX XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX {$0.00} " XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX   INQUIRIES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, Trans Union and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA. 

My Lawyer ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ) And I plan on taking full legal action against Transunion, XXXX  and XXXX it the fraudent accounts and inquiries are not removed wihin the 4 days stated in the FCRA. 

We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. And they will be personally added to our claim against the bureaus that will be filed on XX/XX/XXXX XXXX XXXX of transunion Director of transunion consumer interactive serving XXXX XXXX of transunion Senior analyst Consumer Experiences XXXX XXXX of transunion Senior vice president at Transunion XXXX XXXX of transunion Director fraud and identity management XXXX XXXX of XXXX senior vice president enterprise fraud ID theft XXXX XXXX of XXXX Chief information officer XXXX XXXX of XXXX Fraud and identity product manager XXXX XXXX Of XXXX  Customer service manager XXXX XXXX of XXXX operations manager XXXX XXXX of XXXX  SVP consumer Services XXXX XXXX of XXXX CFE, CCIA compliance Fraud Investigator

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