Consumer complaint received 2024-08-13
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 writing to file a formal complaint against TransUnion regarding their refusal to adhere to the Fair Credit Reporting Act ( FCRA ) in removing and blocking unauthorized and fraudulent inquiries and accounts from my credit report within XXXX business days of receiving XXXX  identity theft report **Details of Unauthorized 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*Details of Fraudulent Account : ** - *XXXX XXXX Account : [ Include Account Number ] This account was opened fraudulently in my name without my authorization. Despite providing all necessary documentation, including an FTC Identity Theft Report and a police report, TransUnion has failed to remove this account from my credit report. 

**Violations of the Fair Credit Reporting Act ( FCRA ) : ** XXXX. **FCRA Section XXXX ( XXXX XXXX XXXX XXXX ) ** : Under this section, a permissible purpose is required before a company can obtain a consumer report or initiate an inquiry. These inquiries were unauthorized, and I did not provide any such permissible purpose. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ** : I formally requested an investigation into these inquiries and the fraudulent Sunrise Bank account. Despite my efforts and providing the necessary supporting documentation, TransUnion has failed to remove these inquiries and account as required by law. 

**Violations of XXXX  XXXX Laws : ** XXXX. XXXX XXXX XXXX XXXX XXXX : As a resident of XXXX  XXXX am protected under this provision, which states that no person or entity XXXX procure a consumer credit report unless authorized by the consumer. These inquiries violate this law. 

XXXX. XXXX XXXX XXXX XXXX XXXX : I have the right to request a reinvestigation of inaccurate information on my credit report. TransUnion must correct or delete any information that is inaccurate or incomplete within XXXX business days, yet they have failed to comply. 

**Follow-Up with TransUnion : ** Upon contacting TransUnion and speaking XXXX XXXX, a XXXX, I was informed that these fraudulent inquiries and the XXXX XXXX account were supposedly removed immediately. However, as of now, these inquiries and the fraudulent account remain on my credit report, and no action has been taken by TransUnion to rectify the situation. This continued failure to address these fraudulent items constitutes a direct violation of the FCRA and my rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that TransUnion adheres to federal and state laws. I ask for a thorough investigation and for TransUnion to be held accountable for their failure to remove these fraudulent inquiries and accounts from my credit report. 

Attached to this complaint are copies of the supporting documents, including the FTC Identity Theft Report, the police report, and the original requests made to TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.