Consumer complaint received 2024-09-07
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)

I am filing a formal complaint against TransUnion LLC for their improper handling of my request to block fraudulent inquiries and their failure to provide adequate assistance in resolving this matter. My name is XXXX XXXX, and my file number is XXXX. 

**Background : ** On XX/XX/2024, I received an unsatisfactory and unsupported response from TransUnion concerning my request to block fraudulent inquiries. TransUnion incorrectly declined to block inquiries made by XXXX ( XX/XX/2024 ) and XXXX XXXX XXXXXXXX ( XX/XX/2024 ), claiming that the Federal Trade Commission ( FTC ) Identity Theft Report I submitted was not a valid document. This decision is inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ) and California state laws. 

**Specific Issues : ** 1. **Refusal to Block Fraudulent Inquiries : ** Despite providing a valid FTC Identity Theft Report ( Report Number : XXXX ), which complies with both federal and state laws, TransUnion refused to block the fraudulent inquiries. This refusal violates FCRA Section 605B and California Civil Code 1798.92.

2. **Inadequate Phone Assistance : ** I have attempted to follow up on this issue via phone. During these calls, representatives disconnected the line, refused assistance, and provided misleading information about protocols and procedures. This pattern of behavior has included : - Representatives disconnecting calls without resolution. 
- Misleading statements regarding dispute processes. 
- Refusal to acknowledge or act upon the valid documentation I provided. 

**Violation of Federal and State Laws : ** - **Federal Law ( FCRA, Section 605B ) : ** Under FCRA, TransUnion is obligated to block fraudulent information when provided with a valid FTC Identity Theft Report. Their refusal to comply violates this requirement.

- **California State Law : ** The California Identity Theft Act mandates that credit reporting agencies must promptly investigate and block fraudulent accounts upon receiving proper documentation. TransUnion 's failure to act on the FTC Identity Theft Report contravenes this law as well. 

**Details of the Fraudulent Inquiries : ** - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** These inquiries were unauthorized and result from identity theft. The continued presence of these inquiries on my credit report is harming my credit standing and financial opportunities. 

**Actions Requested : ** I request the CFPB to intervene and compel TransUnion to : 1. Immediately block the fraudulent inquiries from XXXX and XXXX XXXX XXXXXXXX. 
2. Comply with FCRA Section 605B and California Civil Code 1798.92.

3. Provide a detailed explanation of their investigation methods, including all communications with XXXX, XXXX XXXX XXXXXXXX, and any other relevant parties. 
4. Provide me with an updated credit report reflecting the removal of the fraudulent inquiries.

5. Ensure that TransUnion ceases further violations of my consumer rights under federal and state laws. 

**Supporting Documentation : ** - FTC Identity Theft Report ( Report Number : XXXX ) - TransUnion Response ( Dated : XX/XX/2024 ) - Records of phone calls with TransUnion representatives TransUnions refusal to address my legitimate concerns and their improper handling of my disputes is a clear violation of consumer protection laws. I respectfully request that the CFPB investigate this matter and enforce appropriate actions to protect my rights as a victim of identity theft.