Consumer complaint received 2024-07-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion  Customer Service , Subject : Violation of the Fair Credit Reporting Act ( FCRA ) and Improper Rescission  of XXXX XXXX I am writing to express my profound dissatisfaction with TransUnions recent decision to rescind the block on fraudulent information in my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. 
I have previously provided TransUnion with all necessary documentation proving that the disputed accounts were a result of identity theft. As such, these accounts should have been permanently blocked from my credit report. By rescinding this block, TransUnion is not only in non-compliance with federal law but also causing significant harm to my financial reputation and well-being.

According to 15 USC 1681c-2, the " Significance of Block '' states : " For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' TransUnions rescission of the block implies a failure to adhere to this legal mandate, as I have no knowledge of these accounts, which are unequivocally the result of identity theft. By allowing these fraudulent accounts to reappear on my credit report, TransUnion is violating my rights under the FCRA.

Furthermore, I would like to remind TransUnion of the civil penalties associated with such willful noncompliance under 15 U.S. Code 1681n : Under the FCRA, I have the right to sue TransUnion for damages if you are found to have willfully violated the law. 
" ( a ) In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. '' TransUnion is now on notice that I intend to pursue all available legal remedies should this matter not be rectified immediately. I demand that TransUnion : 1. Reapply the block on the fraudulent accounts listed below.

2. Provide a written confirmation that the block has been reinstated.

3. Ensure no further unauthorized rescission of this block.

List of Fraudulent Accounts and Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Failure to comply with these demands will leave me no choice but to escalate this matter to the appropriate regulatory bodies and seek damages through litigation for willful noncompliance.

I expect an immediate resolution to this issue and look forward to your prompt response confirming the actions taken. I have again attached the required documentation as stated in Section 605B of the FCRA.

Sincerely, XXXX XXXX