Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are specific outlines, laws and procedures that govern Credit Reporting Agencies, which is what TransUnion is.

After 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] Information can be found on how a credit reporting agency is supposed to behave under the law, including maintaining security freezes placed by the consumer and also the maintenance of a properly working webpage for consumers to use. 
Please review this information as TransUnion has broken many of these laws in my case, including continuing to choose to report fraudulent information on my credit report despite being notified multiple times, failure to maintain my credit freeze in XXXX XXXX XXXX  ( U.S.C. 1681c-1 ( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ) allowing a fraudulent loan to be placed on my credit report. 

And lastly, not maintaining a functioning webpage as outlined in the FCRA 605A - 15 U.S.C. 1681c-1 ( 6 ) Webpage.

( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.

Currently, right now, TransUnion 's webpage/website is inoperable. It does not function to the standard set for CRAs in the law. 
TransUnion unfroze my credit in XXXX XXXX XXXX. I did not request my credit be unfrozen. That is why both XXXX and XXXX have no record of this fraudulent loan. 
I did not authorize this. That goes against the laws that oversee TransUnion. 
Remove the fraudulent items from my credit report with TransUnion. This includes the loan and inquiries by Dividend Finance. 
TransUnion was made aware of this error. Their website was not functioning at all this year, but I found ways to reach out to them including emails, contact via XXXX ( which no longer works either ), and handwriting letters to them to let them know they have this security issue and my credit had become unfrozen without my consent- allowing a fraudulent loan to be placed on ( only ) my TransUnion report by using identity theft via a forged XXXX document. 
Despite being informed of this, multiple times, TransUnion sided with the fraud. Even though they had been notified by myself, the consumer, that my credit was supposed to be frozen at the time, I did not sign the loan document, and I never even received the product/service the loan was for. 
TransUnion chose to keep reporting the fraud and keep placing the item from identity theft on my TransUnion report. 
They have done this now four times. 
TransUnion is not a reputable company and they do not follow the laws that govern Credit Reporting Agencies.

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