Consumer complaint received 2024-08-21
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. (MD)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Re : Follow-up on Complaint # XXXX and Complaint # XXXX Dear CFPB Complaint Investigators : I am writing to express my dissatisfaction with TransUnion 's handling of my credit reporting disputes in the above-referenced complaints. After reviewing TransUnion 's responses, it is clear they have failed to comply with several key provisions of the Fair Credit Reporting Act ( FCRA ), particularly those related to identity theft. 

In both complaints, I provided detailed documentation of the fraudulent accounts, collections, and inquiries appearing on my credit report as a result of identity theft. This included a valid FTC Identity Theft Report ( Complaint # XXXX ) and notifications of data breaches from XXXX, the XXXX XXXX XXXX XXXX, and XXXX that likely contributed to this fraud. 

Despite this clear evidence of identity theft, TransUnion disregarded my requests to block the fraudulent information and failed to conduct reasonable investigations as required by the FCRA : XXXX. Failure to block information resulting from identity theft ( FCRA 1681c-2 ) : TransUnion did not block the fraudulent items within 4 business days of receiving my identity theft report and request, in clear violation of 1681c-2 ( a ). Instead, they treated these as regular accuracy disputes and improperly verified several fraudulent accounts.

2. Failure to conduct reasonable identity theft investigations ( FCRA 1681i ( a ) ) : TransUnion 's responses lack any detail on the extent of their investigations and fail to address the specific evidence of identity theft I provided. Simply deferring to furnishers and requesting an additional " affidavit '' does not constitute a reasonable investigation under the FCRA. 

XXXX. Failure to provide proper notice to furnishers ( FCRA 1681i ( a ) ( 2 ) ) : It is unclear if TransUnion provided furnishers with all relevant information concerning my identity theft disputes, including the detailed fraud documentation I submitted. This would prevent furnishers from conducting meaningful investigations.

TransUnion 's actions demonstrate not only a failure to comply with the FCRA 's mandates for handling identity theft disputes but also a lack of adequate procedures for investigating such claims.

I urge the CFPB to require TransUnion to : 1. Immediately block all fraudulent information from my credit report ; 2. Conduct reasonable investigations of my identity theft disputes in compliance with FCRA 1681i ( a ) ; 3. Provide proper notice to furnishers of the disputed information as required by 1681i ( a ) ( 2 ), including all identity theft documentation ; and 4. Revise their dispute handling procedures to properly investigate and verify identity theft claims and block fraudulent information as mandated by 1681c-2.

If TransUnion fails to take these actions and continues to violate the FCRA, I will have no choice but to pursue all available remedies, including filing suit for actual, statutory, and punitive damages and attorney 's fees under 15 U.S.C. 1681n and 1681o.

Thank you for your attention to these serious matters. I look forward to your continued assistance in ensuring TransUnion fulfills its legal obligations and protects the rights of identity theft victims. 

Sincerely, XXXX XXXX