Consumer complaint received 2024-10-26
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. (CA)

Consumer Financial Protection Bureau ( CFPB ) Complaint Against TransUnion Date : XX/XX/XXXX Summary of Complaint : TransUnion has repeatedly failed to remove fraudulent accounts and unauthorized inquiries from my credit report, despite extensive documentation. This inaction has not only impacted my credit but also severely affected my ability to secure housing when my premature daughter was born. I am requesting CFPBs intervention to enforce my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the removal of adverse information resulting from identity theft within four business days of substantiation.

Consumer Complaint Narrative Over the past two years, I have fought tirelessly to correct fraudulent information on my credit report after becoming a victim of identity theft. Despite submitting all required documentation, TransUnion has not acted within the legal timeframes mandated by FCRA Section 605B. Their continued inaction has affected my financial stability and prevented me from moving into a suitable home when my premature daughter was born, exacerbating an already stressful and critical time for my family. 

Background and Documentation Provided In my efforts to address this issue, I have submitted all required documentation to TransUnion, including : 1. FTC Identity Theft Reports : XX/XX/XXXX : Initial report outlining unauthorized accounts and inquiries. 
XX/XX/XXXX : Follow-up report documenting the persistence of fraudulent items. 
XX/XX/XXXX : Latest report, underscoring the urgency and requesting immediate corrective action. 
XXXX. Sworn Affidavit : Submitted in XX/XX/XXXX, this affidavit, signed under penalty of perjury, confirms my identity theft status and lists unauthorized accounts and inquiries, requesting their removal as per FCRA Section 605B. 
XXXX. Police Report : In XX/XX/XXXX, I filed an official police report documenting the identity theft, highlighting misuse of my personal information to open lines of credit and create unauthorized inquiries. 
XXXX. Certified Dispute Letters : I have sent more than a dozen certified letters to TransUnion, detailing fraudulent entries with supporting evidence. Despite receiving these, TransUnion has either ignored my requests or dismissed them without conducting a thorough investigation. 

Fraudulent Accounts and Unauthorized Inquiries The following fraudulent items remain on my credit report : Unauthorized Hard Inquiries The following inquiries were conducted without my authorization : 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  Fraudulent Accounts The following accounts were fraudulently opened or manipulated without my consent, impacting my credit and stability : XXXX. Account with a financial institution, balance reported as {$57000.00}, closed in XX/XX/XXXX. 
XXXX. Account with XXXX XXXX XXXX, open balance {$100.00}, opened in XX/XX/XXXX. 
XXXX. Account with XXXX XXXXXXXX XXXX XXXX, fraudulent amount {$10000.00}, discovered in XX/XX/XXXX. 

Urgent Request for CFPB Intervention Under FCRA Section 605B, TransUnion is required to block and remove information resulting from identity theft within four business days upon receiving substantiated documentation. I have provided all necessary information, including FTC identity theft reports, a sworn affidavit, a police report, and certified dispute letters. TransUnions continued inaction represents a violation of federal law and has imposed severe hardships on me, including the inability to secure housing during a critical time for my family.

Impact Statement TransUnions failure to address this fraudulent activity has had a profound impact on my life. When my XXXX XXXX was born in early XXXX, I was unable to move into a suitable home because of the damage done to my credit by these fraudulent items. Despite my efforts to resolve this, TransUnions inaction has left me without options. I am turning to the CFPB as my last resort, hoping for a swift and just resolution. 

Thank you for your attention to this matter. I look forward to CFPBs intervention in ensuring my rights are upheld.