Consumer complaint received 2024-08-10
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. (PA)

XX/XX/year> : I filed a CFPB complaint against Transunion for reporting fraudulent accounts and hard inquiries on my credit report as a result of identity theft and Fraud. Compliant # XXXX. 
1. TRANSUNION failed to complete my investigation within 30 days. The investigation was completed on XX/XX/year>. 
This complaint demanded that the listed information be removed from my TRANSUNION credit report within 4 business days and for my credit report to be updated immediately according to FCRA US. Violating my rights under FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft.

TRANSUNION violated my rights under the FCRA by failing to remove all items on my credit report as a result of identity theft and Fraud. 

2. The CFPB complaint was closed XXXX, XXXX, 2024. With a response type of Closed with non-monetary relief.

3.

TRANSUNION RESPONSE TO CFPB COMPLAINT ON XX/XX/year>2024 In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXXDELETED XXXX XXXX-UPDATED XXXXDELETED XXXX XXXX XXXX/ XXXX XXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX-DELETED XXXX XXXXDELETED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXXXXXX XXXX-DELETED ( XXXX ) XXXX XXXX XXXX-DELETED XXXX-DELETED XXXX XXXX  XXXXDELETED XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX  XXXX XXXX-DELETED XXXX XXXX-DELETED XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXXXXXXDELETED XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Inquiry DELETED DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. FXXXX XXXX XXXXDELETED XXXX XXXX-UPDATED XXXXDELETED XXXX XXXX XXXXXXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX-DELETED XXXX XXXX-DELETED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-DELETED ( XXXX ) XXXX XXXX XXXX-DELETED XXXX-DELETED XXXX XXXX XXXXDELETED XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXXXXXXDELETED XXXX XXXX-DELETED XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-DELETED XXXX XXXXDELETED XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Inquiry DELETED 4. On XX/XX/year>2024 TRANSUNION failed to remove the items listed in their CFPB response in section 2 above and update my credit file. 

5. XX/XX/scrub> 2024. I received a alert today that my Transunion score has dropped XXXX points because the account the TRANSUNION stated was deleted ( XXXX XXXX ) was added to my credit report. 

TRANSUNION failed to provide certification of accuracy of information from the furnisher. Violating my rights under FCRA 15 USC 1681i ( 5 ) ( b ) ( i ) - Procedure in case of disputed accuracy. 

TRANSUNION failed to notify me of this reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Violating my rights under FCRA 15 USC 1681i ( 5 ) ( b ) ( ii ) - Procedure in case of disputed accuracy.

After providing TRANSUNION with disputes ; 5 FTC identity theft reports ( XXXX ) ; 2 police reports ; and CFPB complaint via certified mail, as well as the response TRANSUNION provided the CFPB on XX/XX/year> following their own thorough investigation, TRANSUNION is aware that are violating my rights under the FCRA because it is the duty to ensure to provide maximum accuracy when reporting information on any consumer file. Violating my rights under FCRA 15 USC 1681 I ( 5 ) ( a ) ( i ) - Treatment of inaccurate and unverifiable information. 


6. As of XX/XX/year>2024 I cant access my TRANSUION report via the Transunion website. XXXX has blocked me from pulling my TRANSUNION credit report. I have contacted TRANSUNION several times this week via phone, chat, and text support for multiple things. And the only thing they advise is to file another dispute.

Due to the reasons listed in sections 1-6 listed above in this complaint TRANSUNION in violation of my right under the following FCRA laws : 1. FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft.

2. FCRA 15 USC 1681i ( 5 ) ( b ) ( i ) 3. FCRA 15 USC 1681i ( 5 ) ( b ) ( ii ) 4. 15 USC 1681 Section 602 ( A ) - Right to Privacy 5. 15 USC 1681 Section 604 ( A ) Section 2- States a consumer reporting agency can not furnis15an account without my written consent and instructions.

6. Defamation of Character 7. Negligent Enhancement of Identity Fraud 8. Violation of the Fair Credit Reporting Act 9. Violation under 15 U.S. Code 1681o- Civil liability for negligent non compliance 10. Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance 11. Failing to comply with 15 U.S. Code1692 ( g ) 12. Violation under 15 U.S. Code 1681b- Permissible Purposes of Consumer Reports 13. Under 15 U.S.C 1681i ( 7 ) - Method of Verification 14. Violations under U.S.C 1681a ( 4 ) - Right to Privacy 15. Violations under 15 U.S. Code 1681c- Requirements Relating to Information Contained in Consumer Reports.

FCRA15 USC 1681n 15 USC 1681n ( 1 ) ( a ) and ( b ) Civil liability for willful noncompliance and FCRA 15 USC 1681n ( 2 ) ( b ) -Civil liability for knowing noncompliance states : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

I am exercising my rights under of the FCRA laws listed in this complaint. I am demanding that Transunion provides me the consumer both monetary damages up to the maximum of {$1000.00} per violation ( {$15000.00} ) and non-monetary relief by PERMANENTLY REMOVING ALL ITEMS from CFPB response to complaint # XXXX and for my CREDIT REPORT to be updated within 4 business days of this complaint. And lastly, for TRANSUNION to notify and contact me WHEN ALL PREVIOUSLY REMOVED and NEW CREDITORS FURNISH TRANSUNION INFORMATION BEING ADDED TO MY CREDIT REPORT TO CONFIRM ACCURACY BEFORE REPORTING!