Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just had a painful experience with Transunion. I just got off the phone-line with them after being hung up on and singled out. My initial problem was that I was informed by Transunion employees to file a police report if there were accounts that had not been authorized, so i did just that. I sent a identity theft affadavit with the FTC along with my notarized identity theft police report. Later I viewed my credit reports online and noticed  XXXX  and  XXXX  had made satisfying progress with my identity theft investigation. But viewing Transunion, it seemed that they had did nothing at all, like nothing, it was as if they never heard anything from me, even in the remarks section, they did not insert the fact that the consumer ( i ) were a victim of identity theft and it was a investigation in progress, they did n't insert anything in my remarks which is the first clear violation. Secondly, i call Transunion today to find a solution and I reached a fraud Special Handling Department in  XXXX   XXXX , Pennsylvania, speaking to a supervisor named  XXXX , who only held up my time to tell me they denied my identity theft request (  s ) , as i mailed it all out to them  two  separate times. They denied me twice and i asked for a explanation and she kept telling me she could not explain to me why nor explain to me what i could do to overturn, she was not customer service helpful at all. Then she would tell me that they initiated a normal dispute to the creditors and were waiting for their response, which is would be their second clear violation, i did not give my consent to " dispute '' any accounts. I gave them clear recognition that my identity had been compromised and it was used to obtain student loans and a auto loan. Transunion is forcefully not doing there job, neglect and willful injury here, they are at fault. I did exactly all i was suppose to by the laws of fair credit, FCRA section  605B clea rly states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency must 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, no later than  4 b usiness days after the date of receipt by such agency of (  1 )  appropriate proof of the identity of the consumer ; ( I SENT MY GOV. IDENTIFICATION ALONG WITH PERSONAL IDENTIFYING INFO ) (  2  ) a copy of an identity theft report ; ( I SENT MY FILED POLICE REPORT )  ( 3 )  the identification of such information by the consumer ; and ( I SENT MY FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT THAT DISPLAYS THE FRAUDULENT ACCOUNTS WITH THEIR  # S, AM OUNTS, AND DATES OBTAINED ) (  4  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( I SENT A CLEAR STATEMENT SHEET EXPLAINING I WAS NOT THE  ONE O PENING THESE SPECIFIC ACCOUNTS ) __I even sent all of this to each creditor as well, will show in long mailing receipt.     I did what was expected and asked to overturn my identity, I am a victim of identity theft, Transunion is now acting as the sole accomplice to the crime committed. I 've compiled all documents initiated and responses along with timelines. I am now prepared to hire an attorney and file suit in federal court against Transunion solely, if this matter is not fixed here.

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