Consumer complaint received 2022-02-25
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:
To Whom it may concern, On the date of XX/XX/2022 I called the Consumer Credit Reporting Agency known as TRANSUNION to inquire about my identity theft dispute progress. My identity theft report and attached letter giving details about the incident were received by Transunion on the date of XXXX XXXX 2022. 

The agent I spoke to, an alleged supervisor in the Fraud assistance team by the name of XXXX XXXX, stated that TRANSUNION received the documentation I had sent on the XXXX of XXXX even though I have proof of receipt before that. 
After I relayed to the agent the account that were reflecting on my consumer file as a result of identity theft by the name of XXXX XXXX XXXX. and XXXX XXXX  were the accounts resulting from Identity theft the agent looked up the record to see the current status. The Agent stated that the Identity theft report had been attached to the dispute and they are awaiting response from the creditors and that it was expected to be updated by XXXX XXXX 2022. 

I notified the agent that this is not what I was told previously when I called on the 4th the agent stated that when they received the FTC report that the information would be blocked and removed within 4 business days pursuant to the FCRA. I stated that the accounts should have been blocked and removed already pursuant 15 USC 1681c-2 because I had sent in what was clearly stated by the law in that subsection. The account should have been removed by the date of XX/XX/2022 which would have been 4 business days after receipt in accordance with 15 USC 1681cXXXX2 ( a ). 
The agent stated that he understands my point but they can not block ANY account or remove or delete it and that they could only attach the document and that they would have to wait for the creditor to receive it. 

I told the agent that it was not acceptable for TRANSUNION as a Consumer Credit Reporting agency to have policies that are inconsistent with the Law specifically FCRA, Fair Credit Reporting Act that REGULATES Credit reporting agencies. 
This agent and TRANSUNION are treating me unfairly as a consumer, not properly handling my credit file when I have done EVERYTHING that I am required to do as a consumer Pursuant to 15 USC 1681c-2 ( a ). TRANSUNION assumed they had my permission to post these fraudulent accounts onto my consumer credit file but I NEVER gave them permission to do so. 
At this point I am being damaged and impacted through adverse actions including Fraudulent and negative reporting by TRANSUNION, as a credit reporting agency they do NOT have policies and procedures to prevent and protect consumers from being negatively impacted by Identity theft and other improper practices as a consumer reporting agency. TRANSUNION is currently noncompliant with the Fair Credit Reporting Act and that is unacceptable as a national consumer credit reporting agency. 

As stated and pursuant to 15 USC 1681c-2 ( a ) I did the following ; ( 1 ) Sent in appropriate proof of the identity of theconsumer ; ( my Drivers license ) ( 2 ) a copy of anidentity theft report ; ( copy of the FTC Identity Theft Report ) ( 3 ) the identification of such information by theconsumer ; ( stated in my attached notice ) ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. ( Stated in my attached notice ) At this point in time the negative items listed on the FTC Identity Theft Report should have been BLOCKED and REMOVED, there is no reason nor excuse as to why these procedures laid out by Congress have not been followed. TRANSUNION you are at this time noncompliant with 15 USC 1681c-2 ( b ) for not doing the following ; Aconsumer reporting agencyshall promptly notify the furnisher of information identified by theconsumerunder subsection ( a ) ( 1 ) that the information may be a result ofidentity theft ; ( 2 ) that anidentity theft reporthas been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( XX/XX/2022 ) TRANSUNION is currently negatively impacting and damaging my general reputation through its inaccurate, erroneous and fraudulent reporting. TRANSUNION is already behind the allotted time frame to make the respective blocks of the fraudulent accounts. I demand that TRANSUNION follow the law and remove this fraudulent reporting immediately and adopt policies to protect me from erroneous fraudulent reporting. 
TRANSUNION is in violation of the FCRA 15 USC 1681c-2 ( a ). 

To add both XXXX and XXXX have both removed these fraudulent accounts and TRANSUNION is the only Consumer Credit Reporting Agency continually and intentionally harming my general reputation and credit standing preventing me from conducting equitable credit transactions which are essential to me as a consumer and the banking system. This is unethical, illogical, immoral and inequitable to me as the consumer involved and TRANSUNION should be held accountable, I refuse to contract or do business with a Consumer Reporting Agency that does not treat me fairly as a consumer and who ignores the Federal laws established by congress to protect consumers.

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