Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX TransUnion XXXX : Formal Demand for Compliance with FCRA Section 605B Request for Immediate Blocking of Unauthorized Accounts and Information To Whom It May Concern, I am submitting this follow-up complaint to demand immediate action to address the unauthorized accounts and personal information reported on my credit file. I previously filed a complaint with the CFPB on XX/XX/XXXX, accompanied by supporting documentation, including my FTC Identity Theft Report, identification, and proof of address. Despite complying with federal requirements, the credit reporting agencies failed to block the disputed information within four business days, as mandated under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. The reporting agencies have alleged that my proof of address and identification were not valid or legible. This has unjustly delayed the statutory requirement to block the fraudulent and unauthorized information within four business days. To rectify this issue, I am resubmitting a clear, legible image of my government-issued drivers license and my XXXX formboth acceptable forms of proof of address under federal law and credit bureau guidelines. Violation of FCRA and Legal Mandates The FCRA is unequivocal in its requirements regarding identity theft claims : 1. 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) : Credit reporting agencies must block disputed information within four ( 4 ) business days after receiving appropriate documentation, including proof of identity, a police report or FTC Identity Theft Report, and the consumers dispute. Failure to comply with this requirement constitutes a direct violation of federal law, subjecting the credit reporting agencies to severe legal and regulatory penalties. By refusing to block the disputed accounts and prolonging the dispute process, the credit bureaus are engaging in willful noncompliance under 15 U.S.C. 1681n, which imposes liability for actual damages, statutory damages, and punitive damages for willful violations. 2. 15 U.S.C. 1681e ( b ) Accuracy of Reporting : Credit bureaus are required to maintain reasonable procedures to assure maximum possible accuracy in reporting. Continuing to report unauthorized information without blocking it within the statutory timeframe constitutes gross negligence and a breach of consumer rights. 3. FTC Enforcement and Penalties : Under Section 5 ( a ) of the FTC Act, failing to block unauthorized information or prolonging dispute resolution processes may be deemed an unfair and deceptive practice, warranting regulatory enforcement and penalties. Formal Demand for Action The following accounts, personal information, and inquiries must be immediately blocked, as per FCRA Section 605B : Unauthorized Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  Account XXXX : XXXX Status : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX Status : Closed, charged off XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Status : Open with negative remarks XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Status : Open with negative remarks Unauthorized Names : XXXX XXXX XXXX XXXX XXXX XXXX Only Authorized Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Reported Date Reported XX/XX/XXXX Other Address Other Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX Date Reported XX/XX/XXXX Other Address Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Reported Date XXXX XX/XX/XXXX Other Address Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Address Other Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Reported Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported Date Reported XX/XX/XXXX Only Authorized Address : XXXX XXXX Turn, XXXXXXXX XXXX XXXXXXXX XXXX Unauthorized Phone Numbers : Phone Number ( XXXX XXXX XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX No employment information should be reporting Employer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Date Verified XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date Verified XX/XX/XXXX XXXX XXXX Date Verified XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Severe Legal Implications of Noncompliance Failure to block the disputed information within four business days, as required by law, constitutes a breach of federal consumer protection statutes. The credit reporting agencies and any involved companies will be held accountable under the following statutes : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized that credit reporting agencies must ensure accuracy and act promptly to correct inaccuracies. FTC v. XXXX XXXX ( XXXX ) : Established the obligation of credit bureaus to comply with consumer protection laws and avoid harm to consumers through unfair practices. Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinforced that reporting agencies can not furnish consumer reports without explicit permissible purpose or consumer consent. Immediate Demands 1. Immediate Blocking of All Disputed Information : The listed accounts, names, addresses, and phone numbers must be blocked from my credit report within four ( 4 ) business days of receipt of this letter, as mandated by FCRA Section 605B. 2. Written Confirmation of Compliance : The credit bureaus must provide written confirmation of the blocked information, ensuring it is no longer accessible to creditors or other third parties. 3. Assurance of Adherence to Federal Law : Credit reporting agencies must implement internal compliance measures to ensure timely responses to identity theft claims, preventing future violations of FCRA Section 605B. Notice of Escalation Should the credit bureaus fail to comply with these demands, I will escalate this matter to the Federal Trade Commission ( FTC ) and pursue all available legal remedies, including claims for damages under 15 U.S.C. 1681n for willful noncompliance. Your failure to act promptly and ethically in resolving this matter continues to harm my financial reputation and well-being. As a victim of fraud and unauthorized reporting, I demand justice and immediate corrective action. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX