Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

**Subject : Urgent FCRA Violation and Request for Immediate Correction of Fraudulent Reporting** **Report Created On : ** XX/XX/year> **File Identification Number : ** XXXX **Provided by : ** TransUnion Consumer Relations **Dear TransUnion, ** I am writing to address a significant violation of the Fair Credit Reporting Act ( FCRA ) concerning the recent investigation results for the account associated witXXXX XXXX XXXX XXXX XXXX Despite your determination that the account was " verified as belonging to me, '' I have received written confirmation from XXXX XXXX XXXX XXXX that this account is indeed the result of identity theft. 

According to the attached correspondence from XXXX XXXX dated XX/XX/year>, they confirm the following : 1. **Identity Theft Confirmation : ** XXXX XXXX investigation supports the claim of identity theft. 

2. **Account Closure and Blockage : ** The fraudulent account has been closed and access blocked.

3. **Deletion Request Submitted : ** XXXX XXXX has submitted a request to all three major credit reporting agencies, including TransUnion XXXX to delete this account from my credit report due to fraud. 

**FCRA Violations by TransUnion XXXX ** By continuing to report this fraudulent account as verified, TransUnion is in direct violation of multiple FCRA provisions : 1. ** 1681e ( b ) - Duty to Follow Reasonable Procedures to Assure Maximum Possible Accuracy : ** TransUnion has failed to employ reasonable procedures to assure the maximum possible accuracy of the information on my credit report. The persistence in reporting this account as verified when XXXX XXXX themselves have confirmed it as fraudulent demonstrates a failure in your verification process. 

2. ** 1681i ( a ) ( 1 ) ( A ) - Requirement to Reinvestigate Disputed Information : ** Under this section, when a consumer disputes the accuracy of any information in their file, the CRA must conduct a reasonable reinvestigation. The fact that your investigation concluded that the account was " verified '' while the actual account holder has confirmed it as fraudulent calls into question the thoroughness and validity of your investigative process. 

3. ** 1681s-2 ( a ) ( 1 ) ( A ) - Prohibition on Furnishing Inaccurate Information : ** By reporting information that XXXX XXXX  has explicitly stated is a result of identity theft, TransUnion is complicit in furnishing inaccurate information, further compounding the harm done to my creditworthiness. 

4. ** 1681i ( a ) ( 5 ) ( A ) - Duty to Delete or Modify Inaccurate Information : ** Given that the account has been identified as fraudulent by XXXX XXXX TransUnion is obligated under this section to delete or modify this information. Your failure to do so constitutes a clear violation of this duty. 

**Failure to Consider Provided Evidence : ** It is also crucial to highlight that I provided an FTC Identity Theft Affidavit with my dispute, which clearly outlined the fraudulent nature of this account. Despite this, TransUnion has chosen to ignore this critical evidence, continuing to report the XXXX XXXX account as verified. This blatant disregard for the documentation I provided further demonstrates that TransUnion 's so-called " investigation '' process is deeply flawed, if not entirely non-existent. 

The fact that you have rushed to judgment without properly investigating the evidence submitted by the consumer is not only a violation of the FCRA but also a clear indication of a biased and self-serving approach. It appears that your primary interest is in maintaining negative accounts on consumers ' credit reports, regardless of the accuracy or legitimacy of the information. This is a gross abuse of power by a company of your size and influence, taking advantage of consumers by knowingly reporting inaccurate, stolen information. 

**Questioning TransUnion 's Verification Process : ** The clear discrepancy between XXXX XXXX findings and TransUnions verification raises serious questions about the integrity and reliability of your verification system. How is it possible that a credit reporting agency can " verify '' an account as legitimate when the creditor themselves confirms it as fraudulent? 

This fundamental flaw in your verification process not only undermines your credibility but also causes significant and undue harm to consumers like myself, who are victims of identity theft. It is evident that your current methods are either outdated, insufficient, or incapable of handling the complexities of identity theft cases. I challenge TransUnion to justify its continued reporting of this fraudulent account in light of the clear evidence provided. 

**Immediate Actions Requested : ** XXXX. **Immediate Deletion of the XXXX XXXX Account : ** As confirmed by the creditor, this account must be removed from my credit report without delay. 

XXXX. **Correction of Reporting Errors : ** Update my credit report to remove any negative information related to this fraudulent account. 

XXXX. **Detailed Explanation of Verification Process : ** Provide a comprehensive explanation of how your verification process works and why it failed in this instance. 

XXXX. **Confirmation of Updates : ** Please confirm in writing once these corrections have been made, along with a copy of my updated credit report. 

Failure to address these violations promptly will result in further actions, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), as well as exploring legal remedies for the damages caused by your negligent reporting. 

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