Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I submitted an online dispute to TransUnion regarding fraudulent information on my credit report, specifically related to XXXX XXXX, along with unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX Card Services. Despite providing all necessary documentation, including my identification and an FTC Identity Theft Report, TransUnion has continuously placed deterrents and obstacles in my path. 

On XX/XX/XXXX, after being denied assistance multiple times, I was finally able to escalate my call and spoke with XXXX, a manager based in the United States. XXXX assured me that the fraudulent information had been removed while we were on the call. However, upon checking my updated credit report, I discovered that the fraudulent information remained. 

On XX/XX/year>, I attempted to follow up but was repeatedly denied the opportunity to escalate my call back to management. TransUnion 's representatives not only refused my requests but also misrepresented the protocols and procedures involved in the dispute process, denying me the right to speak with a manager who had previously assured me of a resolution. 

As a XXXX XXXX, this refusal of assistance imposes additional hardships and directly violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and relevant California state laws. 

**FCRA Violations : ** 1. **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : ** This section requires that a consumer reporting agency, upon receiving a dispute from a consumer regarding the accuracy of any item of information in their credit report, must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnion failed to conduct a reasonable reinvestigation of the fraudulent XXXX XXXX  account and unauthorized inquiries. 

XXXX. XXXX*15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : ** This section mandates that if the reinvestigation determines that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete or modify that item of information. TransUnion failed to promptly delete or correct the fraudulent information despite the reinvestigation, violating this provision. 

XXXX. **15 U.S.C. 1681b ( f ) : ** This section prohibits the furnishing of a consumer report to any person who does not have a permissible purpose under the FCRA. The unauthorized inquiries listed on my credit report were made without my consent or a permissible purpose, and should have been removed upon my dispute.

4. **15 U.S.C. 1681m ( a ) : ** This section requires consumer reporting agencies to provide consumers with clear and accurate notice of their rights regarding the results of a dispute, including the right to appeal. TransUnion failed to provide appropriate notice about the status of my dispute and my rights, especially after assuring me that the fraudulent information had been removed. 

**California State Law Violations : ** 1. **California Civil Code 1785.16 ( a ) : ** This section of the California Consumer Credit Reporting Agencies Act ( CCCRAA ) requires credit reporting agencies to reinvestigate the completeness and accuracy of any item of information disputed by a consumer. TransUnion did not fulfill this obligation in a timely manner and failed to notify me of the results, in violation of this code. 

XXXX. **California Civil Code 1785.16 ( b ) : ** If the disputed information is found to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or correct the information. TransUnions failure to correct or delete the fraudulent information in my credit report violates this section.

3. **California Civil Code 1785.31 ( a ) : ** This section provides that any consumer who suffers damages as a result of a reporting agency 's willful or negligent failure to comply with the CCCRAA is entitled to recover actual damages, including court costs and attorney fees. TransUnion 's negligence and refusal to correct the inaccuracies despite being aware of my XXXX has caused significant harm and hardship. 

**CFPB Obligations : ** The Consumer Financial Protection Bureau XXXX CFPB ) is tasked with ensuring that consumer reporting agencies like TransUnion comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. The CFPB has the authority to investigate and take enforcement actions against agencies that violate these laws. Specifically, under **12 U.S.C. 5511 ( c ) ( 4 ) **, the CFPB is responsible for " supervising and enforcing compliance with the Federal consumer financial laws, '' including those relating to the accuracy and integrity of information reported by consumer reporting agencies. 




Attachments included would be voice recordings of Trans Union representatives, refusing assistance and disconnecting calls along with FTC identity, theft report, and identification With dispute letter