Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding TransUnion 's continuous violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning the removal of fraudulent inquiries from my consumer credit file. Despite multiple attempts to resolve this issue directly with TransUnion, they have failed to act in accordance with federal regulations and continue to misrepresent themselves during the process. 

On XX/XX/XXXX, I spoke with three different representatives in the Fraud Department at TransUnion, all of whom falsely claimed to be supervisors. These representatives denied that I had ever made disputes regarding two fraudulent inquiries from XXXX  XXXX XXXX on XX/XX/XXXX, and again on XX/XX/XXXX. This is categorically untrue, as I have previously submitted disputes regarding these fraudulent inquiries in compliance with FCRA procedures. 

These fraudulent inquiries arose as a result of my Social Security number being exposed in the XXXX XXXX XXXX breach. Despite this, TransUnion has refused to take the necessary steps to remove these inquiries, which continues to harm my credit file. Instead, it appears that TransUnion is profiting by continuing to report and sell this inaccurate and fraudulent information for financial gain, which is a gross violation of their duties under the FCRA. 

In this regard, I would like to highlight the following specific violations of the FCRA and related regulations by TransUnion : 1. 15 U.S.C. 1681c-2 ( a ) Block of Information Resulting from Identity Theft Under this provision, upon receipt of appropriate proof of identity theft, TransUnion is required to block the reporting of any information that resulted from the theft of my identity, including the fraudulent inquiries in question. My personal information, including my Social Security number, was compromised during the XXXX XXXX XXXX breach, which is directly linked to the fraudulent inquiries from XXXX  XXXX XXXX. TransUnion has failed to block these inquiries, in violation of this statute. 

2. 15 U.S.C. 1681s-2 ( a ) Furnishing of Information with Knowledge of Errors This section of the FCRA imposes an obligation on credit reporting agencies like TransUnion to ensure the accuracy of the information they report. By continuing to report these fraudulent inquiries despite being notified of their inaccuracy, TransUnion is in clear violation of this regulation.

3. 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information The FCRA mandates that TransUnion conduct a reasonable investigation of disputes concerning the accuracy of the information in my credit file. My disputes regarding the fraudulent inquiries were either ignored or not properly investigated. Additionally, TransUnion 's misrepresentation of their employees as supervisors and denial of my dispute further violate this section of the FCRA, as they failed to provide adequate response or follow up.

4. 12 CFR 1022.43 Investigations and Handling of Fraud Alerts This section requires credit reporting agencies to handle fraud alerts and related disputes in an appropriate and timely manner. TransUnion 's refusal to acknowledge my disputes and failure to act on the fraudulent inquiries also constitute a violation of this regulation.

In addition to these violations, TransUnion 's actions or inaction constitute a violation of my rights as a consumer, specifically under the Consumer Financial Protection Act ( CFPA ). The failure to protect the accuracy of my credit report after multiple disputes and continued reporting of fraudulent data has caused me undue harm and financial stress. 

I respectfully request that the Consumer Financial Protection Bureau investigate TransUnions conduct and take appropriate action to ensure compliance with FCRA regulations. I also ask for the immediate removal of the fraudulent inquiries from my credit report and the enforcement of the necessary corrective measures to prevent such issues from occurring in the future.