Consumer complaint received 2024-11-02
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. (CA)

Dear CFPB Representative, I am writing to formally request further investigation regarding TransUnions recent verification of two disputed accounts on my credit report. These accounts include : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number XXXX These accounts were disputed on grounds of identity theft, supported by both an FTC Identity Theft Report and a formal complaint through the CFPB. Despite this, TransUnion claims to have verified these accounts as accurate without providing details of the procedures employed for this determination. Their response fails to meet the requirements stipulated by the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, which mandates a fair and reasonable investigation of any disputed information.

Key Violations of FCRA Standards The FCRA requires that credit reporting agencies perform a comprehensive and rigorous verification process to validate disputed information. However, TransUnions response to my dispute falls short in the following ways : 1. Lack of Specific Verification Details : TransUnion has not disclosed any documentation, communications, or specific actions taken to verify these accounts beyond a vague verification statement. Under FCRA Section 611 ( a ) ( 7 ), I am entitled to detailed information regarding the investigation procedures, which have not been provided.

2. Failure to Consider Identity Theft Documentation : I have submitted both an FTC Identity Theft Report and a CFPB complaint, clearly indicating that these accounts are fraudulent. FCRA Section 605B mandates that, upon receipt of an identity theft report, credit bureaus are required to block fraudulent accounts promptly unless substantial evidence supports the legitimacy of the accounts. TransUnions lack of explanation for disregarding these documents raises serious compliance concerns.

3. Unlawful Re-Insertion : Should these accounts have been previously removed or deemed questionable, any re-verification or re-insertion requires specific notice and documentation under FCRA Section 611 ( a ) ( 5 ) ( B ). I have received no such documentation, suggesting potential non-compliance on TransUnions part.

Request for Full Compliance and Immediate Action I respectfully request the CFPBs assistance in requiring TransUnion to provide a detailed and legally compliant explanation of their verification process, including : The precise verification methods used to validate these accounts, including communications or documentation reviewed.

Disclosure of any third-party sources consulted during the investigation and the exact nature of their validation.

Compliance with Section 605B requirements in light of my identity theft documentation, with an explanation of why this evidence was deemed insufficient if they choose not to remove the accounts.

Failure to provide a fair and thorough investigation as per FCRA standards constitutes a violation of my rights under federal law. I seek CFPB intervention to ensure that TransUnion either provides the requested verification details or permanently removes these disputed accounts from my credit report in compliance with FCRA Section 605B.

I have attached a copy of the letter from TransUnion dated XX/XX/scrub> 2024, stating that the accounts were verified as accurate. Additionally, I have included a valid copy of my drivers license, Social Security card, and passport, along with a recent medical bill to verify my address, further supporting the legitimacy of my identity and residency. I have also mailed this letter to TransUnion via certified mail with a return receipt to ensure acknowledgment of my request. I urge the CFPB to review this response in the context of my identity theft claim and ensure that TransUnion adheres to FCRA standards in handling my dispute. 
Thank you for your attention to this matter. I trust that with CFPBs oversight, TransUnion will address these concerns and adhere to the legal standards mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX