Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received the following responses to the submission of the complaint : File Number : XXXX Date Issued : XX/XX/XXXX We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 

Although TransUnion is unable to block the requested information at this time under section 605B of the FCRA, you may re- submit your request with a copy of an official, valid identity theft report to TransUnion at the address shown below. Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at XXXX - A XXXX. Postal Inspection Service Report Please ensure that any documentation you provide includes your personal identifying information, a certification that you were a victim of identity theft and the specific dates as to when the fraud occurred, along with a list of all items ( names, account numbers, etc. ) being reported on your credit report inaccurately due to fraud. 

In the meantime, we initiated an investigation into the accounts and/or public records listed in your request and will contact the data furnisher to verify the current status. You will receive the results of your investigation within 30 days of today, once the entire investigation is complete. If you submit the requested identity theft report, we will review the additional information and, if acceptable, we will close the investigation and block the applicable items within XXXX days of receipt. 

You also have the right to add a XXXX statement to your credit report describing your situation so that anyone who views your report will see this statement. Please know that if you include any medical information in your statement, this means that you're giving TransUnion permission to include that information in any future credit report we issue on your behalf. Be advised that a consumer statement stays on your file until you request its removal, even if the item referenced in the statement is removed from your credit report for any reason. 


We're here to help. Should you have any further questions please contact us at : XXXX XXXX  - ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have your file number ready XXXX. 

Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 


XXXX XXXX : XXXX Date Issued : XX/XX/XXXX We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Proof of Address Unacceptable - Reason # XXXX We have received the documents you supplied for proof of your current mailing address : however, the document ( XXXX ) were unacceptable due to XXXX or more of the following reasons : Reason # XXXX : XXXX or more of the documents provided was too old. Refer to the timeframes listed below. 
Reason # XXXX : XXXX or more of the documents provided was illegible. 
Reason # XXXX : XXXX or more of the documents provided was not a qualifying document. Refer to the list below. 
Reason # XXXX : Only XXXX form of proof was provided. XXXX ( XXXX ) qualifying documents are required. 

Please provide XXXX ( XXXX ) current forms of the qualifying documents listed below. 
- Drivers License - State ID Card - Bank or XXXX XXXX XXXX - Cancelled Check - Government Issued ID Card - Signed Letter from XXXX XXXXr - Stamped Post Office Box Receipt - Utility Bills ( Water, Gas, Electric, or Telephone ) - Pay Stub When providing proof of your current mailing address please ensure that bank statements, utility bills, cancelled checks and Pay Stubs are recent and not older than 2 months. All state issued license and identification cards must be current and unexpired. XXXX XXXX XXXX and signed letters from a XXXX XXXX  should not exceed more than XXXX year in age. Please note that electronic statements printed from a website can not be accepted for proof of address. 

In lieu of sending us the qualifying documents, you XXXX call us at XXXX during normal business hours ; to go through a verbal authentication process with XXXX of our customer service representatives. Upon successfully passing verbal authentication, your records will be updated to show your current mailing address We're here to help. Should you have any further questions please contact us at : - XXXX  - ( XXXX ) XXXX - po box XXXX XXXXXXXX XXXX XXXXXXXX Please have your file number ready XXXX. 

Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

I'm not sure who is reviewing the documents submitted but this FTC report was filed onhttps : XXXX Report XXXX : XXXX, is valid and verifiable. The second page of the report states, " Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. '' The attached FTC report is a valid report. In addition, all documents submitted as verification are not too old, they were all legible, and they all were qualified documents. I have re-attached the documents for a living soul to review, not a machine.