Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am following up on my previous complaint against TransUnion ( Complaint # XXXX ) regarding their failure to delete fraudulent accounts and information resulting from identity theft from my credit report. After receiving TransUnion 's inadequate response, I have suffered significant damages, including the loss of a job opportunity, and believe it is necessary to highlight the ways in which they have violated their obligations under the Fair Credit Reporting Act ( FCRA ) and Maryland law.

1. Failure to conduct a reasonable investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : Despite providing clear evidence of identity theft, including an FTC identity theft report and data breach notices, TransUnion merely " verified as reported '' the fraudulent XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accounts. This does not constitute a reasonable investigation as required by the FCRA when a consumer disputes the accuracy of credit report information. 

2. Failure to delete information found to be inaccurate, incomplete, or unverifiable ( FCRA 1681i ( a ) ( 5 ) ( A ) ) : Upon receiving my dispute and evidence of identity theft, TransUnion was required to promptly delete any information from my credit report that was found to be inaccurate, incomplete, or unverifiable after their reinvestigation. By verifying the fraudulent accounts as reported despite the provided evidence, TransUnion has failed to comply with this FCRA obligation.

3. Failure to provide proof of the accounts upon request : I requested that TransUnion provide proof that the disputed accounts actually belong to me. Under FCRA 1681g ( a ) ( 1 ), they are required to clearly and accurately disclose to consumers all information in their credit file upon request. No such proof was provided to substantiate their claim that the accounts were verified as belonging to me.

4. Violations resulting in actual damages : As a direct result of TransUnion 's inaccurate reporting and failure to comply with their FCRA obligations, I have suffered substantial harm. My application for employment was denied solely due to the fraudulent derogatory items on my TransUnion credit report. The employer informed me that the presence of these items on my credit report was the reason for their adverse action. TransUnion 's misconduct has thus cost me a valuable employment opportunity and the associated income and benefits. 

5. Maryland Consumer Protection Act ( MCPA ) violations : As a Maryland resident, I am also protected by the Maryland Consumer Protection Act, which prohibits unfair, abusive, or deceptive trade practices. TransUnion 's failure to properly investigate my dispute, delete inaccurate information, and provide proof of the disputed accounts constitutes a violation of the MCPA, entitling me to damages and injunctive relief under Md. Code Com. Law 13-408. 

I am requesting that the CFPB take further action to compel TransUnion 's compliance with their FCRA and MCPA obligations, including : - Properly reinvestigating my dispute and providing documentary evidence for any items they allege belong to me- Deleting the fraudulent information I identified and provided an identity theft report for, as it is clearly inaccurate and unverifiable - Correcting my credit report to remove all remaining fraudulent items - Providing me with a copy of my updated, accurate credit report reflecting the deleted accounts - Compensating me for the actual damages I suffered as a result of their violations, including the lost employment opportunity and associated income. 

Thank you for your attention to this urgent matter. I look forward to a resolution that holds TransUnion accountable and makes me whole for the significant harm their misconduct has caused. Please let me know if you need any additional information or have further questions.