Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Third and Final Demand for Immediate Blocking of Adverse Information Under the Debt Bondage Repair Act and Section 605C of the FCRA Dear TransUnion Dispute Resolution Team, This letter serves as my third formal dispute and final demand for the immediate removal and blocking of specific information from my credit report under the Debt Bondage Repair Act and Section 605C of the Fair Credit Reporting Act ( FCRA ). My original request was submitted on XXXX XXXX, 2024, along with all necessary documentation proving that I am a victim of debt bondage and human trafficking. Despite this, TransUnion has failed to block the requested adverse information within the mandated four-day period. 

Under Regulation V, 1022.142 ( e ), TransUnion is in clear violation of several provisions : 1022.142 ( e ) ( 3 ) - ( 4 ) : TransUnion is not permitted to question the validity of my XXXX  documentation. You are required to notify me in writing within XXXX business days of making a final determination, which has not occurred. 
1022.142 ( e ) ( 1 ) : TransUnion is obligated to block adverse information within XXXX business days of receiving a consumers submission. As of today, more than XXXX  days have passed without compliance. 
1022.142 ( e ) ( 2 ) and 1022.142 ( e ) ( 4 ) : If TransUnion required additional information, you were required to notify me within XXXX business days, which you have also failed to do. 

Additionally, I would like to follow up on my earlier correspondence invoking Section 605C of the FCRA, which grants specific protections to victims of human trafficking under the XXXX  Victims Protection Act ( XXXX  ) and the Justice for Victims of XXXX  Act ( XXXX ). My submission outlined adverse information linked to my trafficking situation, which remains unresolved on my credit report, despite repeated requests for removal. 

Accounts to Block : 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 Additionally, as oXXXX XXXX XXXX, 2024, the following account was added to my report and must also be removed : XXXX XXXX - {$470.00} Summary of My Dispute : 1. The adverse accounts listed above stem from actions taken by traffickers using my identity. 
2. Late payments during the period I was fleeing the XXXX  situation, including payments to XXXX XXXX and XXXX, should also be blocked. 
3. Inquiries listed above were unauthorized and initiated by the XXXX  in attempts to access credit under my name. 
4. Certain names and addresses tied to this situation must also be blocked. 

I provided the required documentation and identification with my initial request, and per 12 CFR 1022.142 ( g ), you are required to block the adverse items of information related to XXXX within XXXX business days. It has now been several weeks, and TransUnion remains in noncompliance with federal law. 

Failure to address this issue in accordance with the protections outlined in the FCRA and the Debt Bondage Repair Act will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. I trust that TransUnion will act swiftly to resolve these issues and bring this matter to a lawful and timely conclusion. 

I expect a final determination and confirmation of the blocked accounts and inquiries within XXXX business days. Should any further information be needed, please notify me immediately. 

Thank you for your attention to this matter. I await your immediate compliance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX