Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This complaint is a follow up to complaint XXXX as TransUnion has refused to comply with the FCRA and has not treated me, the consumer, fairly or equitably. On XX/XX/XXXX, I mailed TransUnion my FTC report, proof of identity, statement that identified the information that was a result of identity theft and a statement that said information is not in relation to any transaction of mine. I submitted my initial complaint with the CFPB on XX/XX/XXXX, and on XX/XX/XXXX, TransUnion responded that they had received my information and were working on the issue. 

On XX/XX/XXXX, I spoke to XXXX XXXX who said that TransUnion would be reviewing the items marked as identity theft within 30 days. When I tried informing him that that was in violation of the FCRA, specifically US Code 1681c-2, he stated that TransUnion followed the FCRA, even though the contradiction showed a clear violation of FCRA law. He told me that hed arrange for a supervisor to speak with me within three days. 

As of XX/XX/XXXX, no TransUnion representative or supervisor has called my phone or left a message. I gave TransUnion 10 days from the date of mailing to block and delete the items on my report that were a result of identity theft. I followed my duties as a consumer, providing : appropriate proof of identity ( copy of my passport ), a copy of my FTC identity theft report, the identification of the information that was a result of identity theft and a statement that the information listed is not related to any transaction made by me, the consumer. When I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX, she informed me that three of four of my listed accounts had been removed, but that TransUnion was unable to delete XXXX XXXX XXXX, citing that my FTC report didnt meet TransUnions criteria for an acceptable FTC identity theft report. I didnt understand how my report was sufficient for the three other items listed that were a result of identity theft, and XXXX XXXX refused to state what my FTC report was missing to make it in compliance with TransUnions policies, which have already shown to disregard the FCRA XXXX 

TransUnion is in clear violation of the FCRA : 15 US Code 1681c-2 for refusing to block and delete information on my consumer report that is a result of identity theft within four business days, 15 US Code 1681c ( a ) ( 5 ) which states that any adverse information, other than criminal convictions, be excluded from a consumer report, 15 US Code 1681b ( a ) ( 2 ), which states that a consumer reporting agency may furnish a report only with the written instructions of the consumer to whom it relates and 15 US Code 1681c-2 ( 2 ), which outlines that if a block of information is declined, the consumer shall be notified promptly, in accordance with Bureau Standards. Had I not called TransUnion, I am not sure how I would have known my request to block had been declinedthey did not inform me promptly or in the appropriate, lawful manner. I am deeply saddened and disappointed by the way TransUnion has handled my communications and disregarded my rights as a consumer. The negative affect this has had on me ( like being denied for credit extensions and housing ) is profound, and I ask this matter be remedied immediately. I have included the original documents to claim XXXX and a phone call log of my forty-minute call with TransUnion ( of which I spoke to three representatives, the last being XXXX XXXX ) from XX/XX/XXXX.

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