Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Urgent Follow-Up and Request for Immediate Resolution of Identity Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX PA XXXX Dear Member Relations Team, I am writing to express my extreme frustration and demand an immediate resolution to the identity theft claim that I initiated on XX/XX/XXXX, which was delivered to your office on XX/XX/XXXX ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX of Events:1. XX/XX/XXXX : I initiated an identity theft claim and sent it to your office XXXX XXXX XXXX XXXXXX/XX/XXXX : The package was delivered.3. XX/XX/XXXX : I received an email from XXXX acknowledging receipt of my claim and requesting additional documentation, including a copy of my Identification/Driver 's License and a police report listing the identity theft in question. 
4. XX/XX/XXXX : I promptly responded to your email, providing the requested documentation. 
Despite my prompt response and provision of all necessary documentation, it is now XX/XX/XXXX, and I have yet to receive any resolution or further communication from XXXX  regarding my claim. This delay is far beyond the 30 days allotted for investigation and resolution as mandated by regulatory laws. 
Regulatory Obligations : Under the Fair Credit Reporting Act ( FCRA ), credit institutions are required to investigate and respond to identity theft claims within a reasonable timeframe, generally within 30 days. The FCRA stipulates the following : 1. Prompt Investigation : The institution must promptly investigate the claim of identity theft.

2. Closure of Fraudulent Accounts : Upon confirmation of the fraudulent activity, the account must be closed immediately to prevent further unauthorized transactions. 
3. Debt Relief : The affected individual must not be held liable for any charges or debts incurred on the fraudulent account.

4. Credit Reporting : Any negative information reported to credit bureaus as a result of the fraudulent account must be corrected. 
5. Notification : The institution must inform the affected individual in writing of the results of their investigation.

In addition to federal regulations, various state laws reinforce the need for timely resolution and protection of consumer rights in cases of identity theft.

Request for Immediate Action : Given the extensive delay and the lack of communication from your team, I am formally requesting the following actions be taken immediately : 1. Completion of Investigation : Expedite the investigation and resolution of my identity theft claim.

2. Closure of Fraudulent Account : Ensure that the fraudulent account is closed, and no further unauthorized transactions occur.

3. Debt Relief : Confirm that I am not liable for any charges or debts incurred on the fraudulent account. 
4. Correction of Credit Report : Correct any negative information reported to credit bureaus as a result of this fraudulent activity.

5. Written Confirmation : Provide a written confirmation detailing the steps taken to resolve my claim and the current status. 
I trust that XXXX XXXX TransUnion will take this matter seriously and act promptly to rectify this situation. Failure to address this issue in a timely manner may result in further action, including but not limited to, filing a complaint with consumer protection agencies or seeking legal recourse. 

Consequences of Continued Non-Compliance : As per the FCRA, XXXX 's failure to respond to my dispute within 30 days is a clear violation of regulatory obligations. If I do not receive a satisfactory response within 7 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will seek legal counsel to explore further action against XXXX  for regulatory non-compliance and any damages incurred as a result of this delay. I expect your prompt attention to this matter and a swift resolution to my claim. Sincerely, XXXX XXXX