Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
RE : TransUnion file number XXXX The purpose of this complaint is to address TransUnions response dated XXXX/XXXX/XXXX ( see attached letter ). But first a factual history of events with my complaint and further request following. 

Summary of Facts : On XXXX/XXXX/XXXX : I filed an ID Theft claim with TransUnion XXXX XXXX XXXX ; Provided a proper ID theft claim Affidavit, Proof of Identity Affidavit, Request to Block Trade lines, Identified each account and included Proof of Address. 

TransUnion claims they did not receive my ID Theft documents until XXXX/XXXX/XXXX *However, XXXX tracking information ascertains TransUnion received my documents on XXXX/XXXX/XXXX ( see attached documents from USPS Tracking XXXX On XXXX/XXXX/XXXX : After obtaining my full credit report I identified more tradelines/accounts with balances resulting from ID Theft. These were accounts not identified in the XXXX/XXXX/XXXX letter. I mailed a 2nd set of disputes which included : XXXX XXXX account # XXXX ( included a copy of Credit Report identifying account ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *TRANSUNION RECEIVED ON XXXX/XXXX/XXXX On XXXX/XXXX/XXXX : I received TransUnions refusal to accept my documents along with TransUnion Identity Theft Victim Assistance Affidavit dated XXXX/XXXX/XXXX. see attached XXXX affidavit ask for NO additional information a deliberate stalling tactic which directly exposes innocent Americans to further harm. 

On XXXX/XXXX/XXXX : I sent, via certified mail, TransUnions Identity Theft Victim Assistance Affidavit. It was notarized, provided additional documents and very clearly requested to remove inquiries resulting in ID Theft : XXXX, XXXX XXXX XXXX XXXX And the following accounts : NFCU ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX *TransUnion confirms receiving on XXXX/XXXX/XXXX On XXXX/XXXX/XXXX : I received TransUnions 2nd response to my XXXX/XXXX/XXXX, ID Theft claim. A postcard dated XXXX/XXXX/XXXX. Stating : At your request, we have added an Extended Fraud Alert to your TransUnion credit report. This alert will remain on your file for the next seven years. 

*I requested a credit freeze not an Extended Alert The postcard did not inform me if the other Credit Bureaus have been contacted and did not address my other claims of each account. 

On XXXX/XXXX/XXXX : I received TransUnions response to their Identity Theft Victim Assistance Affidavit. Which I mailed on XXXX/XXXX/XXXX ( received by TU on XXXX/XXXX/XXXX ) TransUnion DENIED my request citing Section 605B of the FCRA, but does not specifically identify ( as required ) the reason to deny my request. Therefore, I had no way to determine specifically what information I needed to address. See attached letter dated XXXX/XXXX/XXXX On XXXX/XXXX/XXXX : I certified mailed another ID theft claim to TransUnion. This time using a copy of their own form ; XXXX XXXX Theft XXXX Assistance XXXX. To avoid TransUnions stalling tactic which they use for every single ID theft claim by every single Victim. Referencing the following accounts. 
XXXX XXXX XXXX XXXX XXXX 2. XXXX DC XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. ) XXXX ( Credit Card ) 5. ) XXXX XXXX 2 Credit Cards ) 6. ) XXXX XXXX Acct # XXXX XXXX XXXX xxxx XXXX XXXX Now to the purpose of this complaint, addressing TransUnions response dated XXXX/XXXX/XXXX ( See letter attached ). 

In TransUnions letter they denied my request to block trade-lines, I properly identified and filed with all required documents per FCRA 605B ( 15 U.S.C. 1681c- )  TransUnion at this time declines to block the information you have identified for one or more of the following reasons : In accordance with Section 605B of the FCRA XXXX we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. 

TransUnion Does not provide me with a specific reason why, ... for one or more of the following reasons : I am requesting for Transunion to : Please identify which reason or reasons for each tradeline I have claimed Identity theft that TransUnion has denied my request to Block. 
Was it.. 
a ) Made in error? if this is TransUnions reason please provide the specific error so I have an ability to correct it or address this error. 
Or was it b. ) a misrepresentation of material fact relevant to the request to block? If TransUnions claims this reason please provide me with the Material Fact TransUnion claims was misrepresented and provide the proof as required by law that TransUnion received in their investigation, when TransUnion received this information, how TransUnion received this information and the source of the information. 
Or was it c. ) you have obtained possession of goods, services or money as a result of the transaction issue? If TransUnion claims this reason, please provide me with the specific goods, services or money I have obtained. When TransUnion received this information, how TransUnion received this information and the source of the information. 

Additionally, I am requesting if my case has been forwarded to a XXXX XXXX or specialized personal for evaluation and to identify this group or personal. 

This is as clear as i can be. I am hoping TransUnion does not try to dilute their response with irrelevant nonsense. I mean, I would hope the purpose for both sides is to resolve this issue and the best way to do that is with clarity and transparency. Please understand the longer this takes the more damage myself and other victims would be exposed to. 
A certified letter with this duplicate information will be sent out on XXXX/XXXX/XXXX to ensure I have used all viable options for notice. 


Cc : XXXX XXXX XXXX Cc : FTC Cc : Certified letter to TransUnion

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