Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TodaysDate:XX/XX/XXXXSuppressionRequestToWhomItMayConcern:Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport,whicharetheresultofmyfallingvictimtoidentitytheft.Thisinformationdoesnotrelateto[transactionsthatIhavemade/accountsthatIhaveopened],astheattachedsupportingdocumentationcanattest.Assuch,itshouldbeblockedfromappearingonmycreditreportpursuanttosection605BoftheFairCreditReportingAct.

InquirydetailsXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXBankXXXXXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXBankXXXXInquiryfromXX/XX/XXXXNationalCreditCards/AirlinesXXXXInquiryfromXX/XX/XXXXNationalCreditCards/AirlinesXXXXInquiryfromXX/XX/XXXXNationalCreditCards/AirlinesXXXXXXXXInquiryfromXX/XX/XXXXBankSupportingdocumentsareenclosedwiththisletter.Pleaseletmeknowifanyadditionalinformationisneeded.Furthermore,whenyouacceptthisrequest,pleasesendthenotificationsrequiredbytheFCRAtoallfurnishersoftheblockedinformation.

Sincerely,XXXXXXXXDOB:XXXXSS#XXXXADDRESS:XXXXXXXXXXXXXXXXXXXXXXXXXXXXFLXXXXFCRA605B(15U.S.C.1681c-2)(a)Block.Exceptasotherwiseprovidedinthissection,aconsumerreportingagencyshallblockthereportingofanyinformationinthefileofaconsumerthattheconsumeridentifiesasinformationthatresultedfromanallegedidentitytheft,notlaterthan4businessdaysafterthedateofreceiptbysuchagencyof(1)appropriateproofoftheidentityoftheconsumer;(2)acopyofanidentitytheftreport;(3)theidentificationofsuchinformationbytheconsumer;and(4)astatementbytheconsumerthattheinformationisnotinformationrelatingtoanytransactionbytheconsumer.(b)Notification.Aconsumerreportingagencyshallpromptlynotifythefurnisherofinformationidentifiedbytheconsumerundersubsection(a)ofthissection(1)thattheinformationmaybearesultofidentitytheft;(2)thatanidentitytheftreporthasbeenfiled;(3)thatablockhasbeenrequestedunderthissection;and(4)oftheeffectivedatesoftheblock.(c)Authoritytodeclineorrescind.(1)Ingeneral.Aconsumerreportingagencymaydeclinetoblock,ormayrescindanyblock,ofinformationrelatingtoaconsumerunderthissection,iftheconsumerreportingagencyreasonablydeterminesthat(A)theinformationwasblockedinerrororablockwasrequestedbytheconsumerinerror;(B)theinformationwasblocked,orablockwasrequestedbytheconsumer,onthebasisofamaterialmisrepresentationoffactbytheconsumerrelevanttotherequesttoblock;or(C)theconsumerobtainedpossessionofgoods,services,ormoneyasaresultoftheblockedtransactionortransactions.(2)Notificationtoconsumer.Ifablockofinformationisdeclinedorrescindedunderthissubsection,theaffectedconsumershallbenotifiedpromptly,inthesamemannerasconsumersarenotifiedofthereinsertionofinformationundersection1681i(a)(5)(B)ofthistitle.(3)Significanceofblock.Forpurposesofthissubsection,ifaconsumerreportingagencyrescindsablock,thepresenceofinformationinthefileofaconsumerpriortotheblockingofsuchinformationisnotevidenceofwhethertheconsumerkneworshouldhaveknownthattheconsumerobtainedpossessionofanygoods,services,ormoneyasaresultoftheblock.(d)Exceptionforresellers.(1)Noresellerfile.Thissectionshallnotapplytoaconsumerreportingagency,iftheconsumerreportingagency(A)isareseller;(B)isnot,atthetimeoftherequestoftheconsumerundersubsection(a)ofthissection,otherwisefurnishingorresellingaconsumerreportconcerningtheinformationidentifiedbytheconsumer;and(C)informstheconsumer,byanymeans,thattheconsumermayreporttheidentitythefttotheBureautoobtainconsumerinformationregardingidentitytheft.(2)Resellerwithfile.Thesoleobligationoftheconsumerreportingagencyunderthissection,withregardtoanyrequestofaconsumerunderthissection,shallbetoblocktheconsumerreportmaintainedbytheconsumerreportingagencyfromanysubsequentuse,if(A)theconsumer,inaccordancewiththeprovisionsofsubsection(a)ofthissection,identifies,toaconsumerreportingagency,informationinthefileoftheconsumerthatresultedfromidentitytheft;and(B)theconsumerreportingagencyisareselleroftheidentifiedinformation.(3)Notice.Incarryingoutitsobligationunderparagraph(2),theresellershallpromptlyprovideanoticetotheconsumerofthedecisiontoblockthefile.Suchnoticeshallcontainthename,address,andtelephonenumberofeachconsumerreportingagencyfromwhichtheconsumerinformationwasobtainedforresale.(e)Exceptionforverificationcompanies.Theprovisionsofthissectiondonotapplytoacheckservicescompany,actingassuch,whichissuesauthorizationsforthepurposeofapprovingorprocessingnegotiableinstruments,electronicfundtransfers,orsimilarmethodsofpayments,exceptthat,beginning4businessdaysafterreceiptofinformationdescribedinparagraphs(1)through(3)ofsubsection(a)ofthissection,acheckservicescompanyshallnotreporttoanationalconsumerreportingagencydescribedinsection1681a(p)ofthistitle,anyinformationidentifiedinthesubjectidentitytheftreportasresultingfromidentitytheft.(f)Accesstoblockedinformationbylawenforcementagencies.NoprovisionofthissectionshallbeconstruedasrequiringaconsumerreportingagencytopreventaFederal,State,orlocallawenforcementagencyfromaccessingblockedinformationinaconsumerfiletowhichtheagencycouldotherwiseobtainaccessunderthissubchapter.

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