Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint Details : I am filing this complaint against XXXX, TransUnion, and XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ). These violations include : Failure to honor extended fraud alerts placed on my credit reports. 
Failing to investigate and resolve disputed accounts in a timely and accurate manner. 
Allowing unauthorized inquiries to remain on my reports without proper investigation or removal. 
Inaccurate and inconsistent reporting of disputed accounts across the three credit bureaus. 
Refusal by XXXX to block fraudulent information, despite submission of all required documentation, including my FTC Identity Theft Report and police report. 
These violations have caused me financial harm, emotional distress, and reputational damage. Most importantly, they have directly impacted my ability to secure business funding for my company due to inaccurate and harmful credit reporting. I am seeking immediate corrective actions and monetary compensation for damages caused by these violations. 

Key Issues and Non-Compliance 1. XXXX  Refusal to Block Identity Theft Information Despite submitting my FTC Identity Theft Report, police report, and supporting documentation, XXXX declined to block fraudulent information from my credit report. In their email dated XX/XX/XXXX, they claimed : That I did not provide sufficient proof of identity, even though I submitted all required documents. 
That my request to block fraudulent information may have been made in error or based on a material misrepresentation. 
That I knowingly obtained goods, services, or moneys related to the disputed transactionsan unfounded and baseless allegation inconsistent with my identity theft claims. 
This refusal violates 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receiving proper documentation of identity theft. XXXX refusal has perpetuated inaccuracies on my credit report, harming both my personal and business creditworthiness. 

2. Failure to Act on Extended Fraud Alerts All three bureaus have extended fraud alerts placed on my credit reports, requiring them to contact me directly before approving inquiries or accounts. Despite this : Fraudulent accounts and unauthorized inquiries remain on my credit reports. 
This violates 15 U.S.C. 1681c-1 ( h ), which mandates protections for identity theft victims. 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), the court ruled that credit bureaus must block identity theft-related information when provided with appropriate documentation. 

XXXX. Inaccuracies and Inconsistencies in Disputed Accounts The following accounts remain unresolved, and their reporting varies significantly between TransUnion, XXXX, and XXXX : Absolute Resolutions I ( {$1100.00}, Opened XX/XX/XXXX ) : TransUnion : Reported as a collection account with no dispute status. 
XXXX : Reported as a charge-off and marked as " disputed by consumer. '' XXXX : Not reported. 
XXXX XXXX ( {$3600.00}, Opened XX/XX/XXXX ) : TransUnion : Not reported. 
XXXX : Reported as a charge-off with no dispute status. 
XXXX : Reported as a derogatory account marked as " disputed. '' XXXX XXXX ( {$160.00}, Opened XX/XX/XXXX ) : TransUnion : Reported as a charge-off with no dispute status. 
XXXX : Marked as disputed by consumer with unresolved dispute status. 
XXXX : Not reported. 
XXXX ( {$14000.00}, Opened XX/XX/XXXX ) : TransUnion : Reported as a charge-off with no dispute status. 
XXXX : Reported as a charge-off marked as disputed. 
XXXX : Reported as a derogatory account with no mention of the dispute basis. 
These discrepancies violate 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information.

4. Unauthorized and Inconsistent Inquiries Unauthorized inquiries remain on my credit reports without investigation or removal, and significant inconsistencies exist across the bureaus : TransUnion : Inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were not authorized by me, violating 15 U.S.C. 1681b ( f ). 
Relevant Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that unauthorized inquiries violate consumer rights under the FCRA.