Consumer complaint received 2024-08-26
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. (CT)

Please be advised that this is my 3rd WRITTEN REQUEST, before I pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I am a victim of identity theft. I have alerts saying my information is compromised on the dark web. I've filed the proper reports and let all the consumer reporting agencies know of this matter. TRANSUNION is reporting inaccurate and incorrect information on my consumer report and has failed to follow federal laws and guidelines stated under FCRA Sec 605B ( 15 U.S.C 1681c-2 ) Section 605B of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681c-2 , contains provisions related to the blocking of information resulting from identity theft. Under Section 605B, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within four business days. Also, they failed to honor their responsibility under Sec 611 ( a ) of the Fair Credit Reporting act codified at 15 U.S.C 1681i ( a ) which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Using e-OSCAR to process consumer disputes, does not satisfy the requirements of FCRA Section 611, which mandates a " reasonable reinvestigation '' of disputed information. As highlighted in cases like XXXX XXXX Trans Union XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ), courts have determined that CRAs can not solely rely on XXXX 's automated processes to meet their obligations under the FCRA. These rulings emphasize that merely forwarding disputes to data furnishers via XXXX without conducting an independent and thorough investigation is inadequate. The FCRA requires that CRAs take additional steps beyond the automated exchange to verify the accuracy of the disputed information, ensuring that consumer rights are fully protected. It has been well past the 4 day time period and I immediately request that these fraudulent accounts be deleted immediately. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable for any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. TRANSUNION has violated even more violations by failing to comply after my first initial CFPB complaint. TRANSUNION denied my request to block the fraudulent accounts and information due to not enough info via email I then resubmitted the info with adequate info to BEST of my ability as these accounts are FRAUDULENT. TRANSUNION has failed to respond or comply with requests and that was on XX/XX/XXXX I submitted our email exchange which transpired through TRANSUNION 'S secure email system. Further proof that TRANSUNION is failing to comply and violating the FCRA laws and my right under the FCRA. It has now been 13 days since my first 605b block request and they still have not communicated nor taken any action. The persistent delays, stress, and financial implications caused by TRANSUNION 'S negligence have put me at my breaking point. I urge the CFPB to intervene promptly and ensure that TRANSUNION upholds their obligations under the law.