Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( TransUnion ) my ( 3 ) FTC reports via certified registered mail on XXXX. I called the reporting agency on XXXX to confirm that theyve received my mailed correspondence that contained my ( 3 ) FTC reports from XXXX. During my call with the reporting agency, I spoke to the fraud supervisor XXXX XXXX, who confirmed receipt of my ( 3 ) FTC reports. XXXX XXXX informed me that the reporting agency deemed my FTC reports as invalid. But could not give me explanation as to why the FTC reports were invalid. I then, informed XXXX XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have the correct and requested information from the Federal Trade Commission ( FTC ). Each report also have XXXX accounts or fewer on each of them as described below : FTC Report Number : XXXX ( XXXX pages ), have five ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX XXXX  XXXX accounts, XXXX ( XXXX ) XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX accounts. FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXXXXXX XXXX  accounts, and XXXX ( XXXX ) XXXX XXXX accounts. and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX ) XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX XXXX informed me that my file has been deemed as fraud from those accounts mentioned in my FTC reports and the consumer reporting agency has automatically applied an extended fraud alert on my consumer file. However, those accounts mentioned in my FTC report will not be removed or blocked within 4 business days pursuant to U.S. Code 1681c-2. XXXX XXXX stated that it will take 30 days for the information to be investigated. The reporting agency is in direct violation of 15 U.S. Code 1681c-2 which clearly states : 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. 

I do not agree with the consumer reporting agency ( TransUnion ) decision/ findings as it is deemed inaccurate and a direct violation of 15 U.S. Code 1681c-2.

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