Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Instead of responding to my latest complaint Transunion now won't even review the complaint and instead is filing my complaints as fraud. They marked my complaint as a scam or fraud instead of investigating my actual identity theft issues. 

Transunion has not resolved the continued fraud on my credit file. This fraud has occurred as result of Identity theft. Transunion was notified and an Extended fraud alert was placed on my file. Originally my file was being handled by a fraud " Specialized fraud team '' Now my file has been moved to a " Special Handling department '' This department is not open only M-F until XXXX XXXX  CST. Additionally, not only are they only open during my working hours they have locked my file so that I can not personally place a security freeze on my file. They won't allow customer service and or the fraud department to speak to me. This department is not following FCRA Laws. They have been provided with my Identity Theft Affidavit and state that the fraud I have reported clearly and precisely does not " Meet their Criteria for blocking '' Therefore they are stating they do not have to provide any proof of this information but that it's up to their Discretion to block fraud or not. That is not what the FCRA law states which is 603 ( B ) since I am a victim of Identity theft and transunion has been notified of the fraud and provided law enforcement documentation and refuses to block the fraudulent information, and won't allow me to access and or put a security freeze on my file, nor will they allow me to speak to the fraud department either because they feel as if they can get around laws put in place to protect consumers. They allowed a fraudulent account to be placed on my file from a XXXX XXXX XXXX, This company has not only placed the account with 5 Different account numbers but they opened a new account without permission as this whole application was fraudulent. The company sent me a letter stating they told Transunion to delete the information, yet transunion inserted the FRAUD onto my file. This account was opened with my stolen Identity and was not authorized by me. In addition to that Transunion allowed two Fraudulent inquiries to go through from a XXXX XXXX both the SAME EXACT DAY XX/XX/2019. I did not authorize XXXX XXXX to check my file, and I do not have accounts with a XXXX XXXX. In addition, they refuse to block an account that was opened from a XXXX XXXX which I already advised them over a month ago was fraud and they stated it doesn't meet their criteria to be blocked even with A POLICE REPORT. They allow fraud to be placed on my credit file, and clearly don't care this special handling department won't allow me to speak to any other department and they allow fraudulent information to be reported on my file. In addition she told me they won't allow me internet access at all when my " File '' is in their possession the manager was very rude. Therefore they aren't following FCRA law and they state that any fraudulent information doesn't " meet their criteria '' to be blocked. Yet don't provide what that criteria is and don't provide any information on their refusal which again is against the law. Transunion allowed 3 inquiries and refuse to block this inquiries that I DID NOT AUTHORIZE. They refuse to assist in this matter. Transunion is participating in unfair business practices because they aren't agreeing to assist. They refuse to block fraudulent information as advised and that has been filed with the FTC and a FTC Affidavit has been attached to this complaint that transunion refuses to assist with.

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 explanation