Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have filed an identity theft report with the FTC and submitted documentation and proof regarding requirements of the FCRA. Upon Transunion receipt of documentation of my FTC identity theft report, I called Transunion and notified them regarding the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) Block of information resulting from identity theft specifies, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In fact of them receiving my identity theft notice I called Transunion and the representative stated that they don't remove, delete, or block accounts of the consumers, even though the consumer has reported identity theft with an FTC report to them. The Transunion Representative also stated that they don't operate under the FCRA, and that their policies and procedures doesn't require them to block, remove or delete accounts reported for identity theft, I then asked, under their policies and procedures proves his statement of non-removal of identity theft report accounts? The representative stated that he doesn't have access to their procedures at the moment and they don't go based off the FCRA law and that it is not required for their policies and procedures. I attached a cover letter along with my FTC report, letting Transunion know the details. However, the representative stated that my identity theft report was denied and that the FCRA doesn't apply to them with identity theft reporting. Under FCRA I took the proper steps along with an Affidavit Of Fact notifying Transunion. As a victim of identity theft I am helpless and bullied by Transunion, for them having any knowledge of their policies and not knowing and following the laws under FCRA, in which has deemed and caused me injury as well as not being able to obtain the necessities as a natural human being given by God. I am not only a victim of identity theft but I have now became a victim of bullying by Transunion. Because their policies and procedures doesnt include FCRA laws.

1.In Fact and truth, Please know that in my identity theft report that I mailed to Transunion via Certified mail that I am/are/was not requesting validation of any accounts that are generated by them on my consumer report from identity theft.

2.In Fact and truth, I am and not requesting an investigation regarding these fraud accounts to be investigated.

3. In Fact and truth, Transunion was notified that the authority of the block request can not be declined or rescinded pursuant to 15 usc 1681c-2, 605B in fact and truth that : * ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

As A, B, C of 15 USC 1681c-2 doesn't apply to my Identity theft report.

4. Pursuant to 15 USC 1681 c-2 ; I provided all necessary documents as proof of my identity, in which 15 USC 1681c-2 states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

5. In fact and truth, Transunion has failed to acknowledge and remove incorrect/fraudelent addresses per written request with FTC report.

Again, Pursuant to the FCRA, The 4 days at the consumer giving notice of identity theft Transunion hasn't complied with law and continuously fails consumers by not educating and teaching their representatives the Fair Credit Reporting Act to be in compliance with law. Not a request to validate or investigate but, to notify of identity theft fraud and take action Pursuant to 605B.

In fact, under the FCRA, not only have Transunion neglected 15 usc 1681c-2 as expressed in this statement and a sealed and signed Affidavit of Fact which now stands as True by default because they have ignored my Affidavit of Fact, WITHOUT AN UNREBUTTED AFFIDAVIT OF FACT. Also, as fact that due to negligence they are held civilly liable by default pursuant to 15 USC 1681n-Civil liability for willful noncompliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I am not seeking validation, I am seeking that they Adhere to educating their representatives of the FCRA and follow federal law that was put in place not only to protect consumers but, to also make sure that they produce and report true information. 
FTC report # XXXX and FTC # XXXX with an attached letter stating identity theft report along with required identifiers to show proof of my identity.

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