Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to TransUnion on several occasions by phone and over there chat line regarding a Fraud Alert comment on my consumer report. I have asked them several times to remove the comment because I didn't grant them permission to add that comment. Below are the chats where I have spoke to two different representatives to resolve this issue.

15 USC 1681A-3 is a role you guys assumed without my permission because you didn't have my consent to add a fraud comment on my report nor did you respect my privacy which is under 15 USC 1681A-4 , nor did you exercise your grave responsibility. 15 USC 1681B-2 states that you need permissible purpose and I've never instructed your guys to put a fraud alert on my consumer report, nor have I consented to you sharing my data which is you have done and going against your very own policy. I've made several attempts to remind you of your duty pursuant to 15 USC 1681, however you continue to intentionally and willfully neglect in remedying my affairs. 

Below is the script from the chat on XX/XX/XXXX with XXXX and the script from today, XX/XX/XXXX. 

XX/XX/XXXX Fraud Alert removal You - XXXX XXXX  You are now connected to TransUnion Chat. 
Info - XXXX XXXX One moment while I transfer you to a live agent. 
TransUnion Chat - XXXX XXXX Please hold, You are being transferred to another agent You are now connected to XXXX. 
Info - XXXX XXXX  Thank you for contacting Transunion, my name is XXXX, how may I assist you today? & XXXX  ; & XXXX ; & XXXX  ; & XXXX  ; XXXX - XXXX XXXX  Hi. I was told to login to my account in order to remove a fraud alert comment but when I click on fraud alert it states the system is experiencing technical difficulties. 
You - XXXX XXXX  Hi, XXXX. 

Oh, Im sorry to read that, I'll be happy to assist you today. & XXXX ; & XXXX  ; & XXXX  ; XXXX - XXXX XXXX  Thank You You - XXXX XXXX  sure! 

Do you have any dispute in progress? 
XXXX - XXXX XXXX  yes You - XXXX XXXX  I see. 

When did you file the dispute? 
XXXX  - XXXX XXXX I'm only trying to remove the fraud alert comment that was put on my report without consent. 
You - XXXX XXXX I do apologize, it is just to protect your information. 

Please, would you be so kind to fill out this form? So, I can have access to your account. https : //www.transunion.comXXXX Let me know when you finish it, please. & XXXX  ; & XXXX ; XXXX  - XXXX XXXX  Complete You - XXXX XXXX Great! 

Thank you, just give me a moment. I'll & nbsp ; be check that for you. & XXXX ; & XXXX ; & XXXX  ; & nbsp ; Yenifer - XXXX PM ok You - XXXX PM Thanks. 
XXXX - XXXX XXXX No problem You - XXXX XXXX  Do you have middle name? 
XXXX - XXXX XXXX  XXXX You - XXXX XXXX Okay. 

Thank you for waiting. 
XXXX - XXXX XXXX  No problem You- XXXX XXXX  I removed this fraud alert, the process is immediately. 

Is there anything else I can assist you with? & XXXX  ; & XXXX ; & XXXX ; XXXX  - XXXX XXXX No, that would be all. Thank you so much for your assistance and kindness. 
You - XXXX XXXX My pleasure, XXXX. Thank you for contacting Transunion, have a wonderful day! & XXXX ; & XXXX  ; & XXXX  ; XXXX - XXXX XXXX Same to you You - XXXX XXXX Bye! 
XXXX - XXXX XXXX  Conversation closed by you - XXXX XXXX  Today-XXXX  XXXX Fraud Alert You - XXXX XXXX  You are now connected to TransUnion Chat. 
Info - XXXX XXXX One moment while I transfer you to a live agent. 
TransUnion Chat - XXXX XXXX  Please hold, You are being transferred to another agent Info - XXXX XXXX  ok You - XXXX XXXX  You are now connected to XXXX. 
Info - XXXX XXXX Hello, thank you for contacting TransUnion. This is XXXX, how may I help you today? & XXXX  ; & XXXX ; & XXXX  ; XXXX - XXXX XXXX Hi. I'm checking to confirm the fraud alert was removed from my consumer report. 
You - XXXX XXXX  I do understand how important is for you to make sure that your fraud alert was removed from your report, I will do my best to help you XXXX. 
XXXX - XXXX XXXX  ok You - XXXX XXXX Just to make sure, did you remove your fraud alert online? 
XXXX - XXXX XXXX No, I chat with a representative on XX/XX/XXXX at XXXX pm who stated they removed it. 
Representative by the name of XXXX You - XXXX XXXX  Okay, we can gladly access to your report to make sure that your fraud alert is no longer on file. 

Ok. In order to access your file, I will need to send you a link to a form on the chat to fill with your information so I can proceed accordingly. 

This is the form for you to fill out : https : //www.transunion.comXXXX Please make sure you open the link on a new tab to keep the chat running. 

Let me know when it was submitted or if you have any questions about it, please. Thank you. 
XXXX - XXXX XXXX  Completed You - XXXX XXXX  Thank you for the form. Please allow me one moment while I check it. & XXXX ; XXXX XXXX XXXX XXXX  ok You - XXXX XXXX One more moment please. 
XXXX - XXXX XXXX  ok You - XXXX PM Do you have a middle name? 
XXXX - XXXX XXXX  XXXX You - XXXX XXXX  Thank you. 

Thank you for your time XXXX, I'm checking your report and according to our records you have an extended fraud alert, we need to get documents in order to remove an extended fraud alert. 
XXXX - XXXX XXXX  I didn't grant permission for a fraud alert to be put on my consumer report. No permissible purpose was provided for that. On XX/XX/XXXX XXXX stated she had it removed because she didn't show where I provided TransUnion permissible purpose. I have a screen shot of that conversation. 
You - XXXX XXXX  I'm sorry XXXX, I can see that the extended fraud alert was added on XX/XX/2022 because we received documents to add it. 
XXXX - XXXX XXXX  I spoke with XXXX by way of this chat on XX/XX/XXXX. What documents did you receive from advising this agency to put an alert on my report? I'm getting different stories at this point and want to make sure I understand. So XXXX didn't remove it as she stated, correct? And you're not going to remove it because you are stated I granted you guys permission to add that statement, correct? 
You - XXXX XXXX  The thing is that an extended fraud alert is added on a report when we get documents or it can be shared by the other two bureaus as well, that's why we need to get your request by mail to remove it. 

I haven't heard from you for a while. Are you still there? 
XXXX - XXXX XXXX  I'm just really disturbed by this because my data is being shared without my permission and no one has bothered to validate nor verify that I, the creditor asked for this to be added to my report, nor have granted permission for my data to be shared. 
Now I '' m saying remove it because its a violation for you to add it without my permission but that can't be done because the verification and validation is backwards on your end.

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