Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a CFPB complaint on XXXX The report number is XXXX Attached to the complaint, I submitted : ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to XXXX  transaction by the consumer. 

Your company responded on XXXX " we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information '' XXXX XXXX XXXX XXXX AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX  AS REPORTED I have not been sent any original documentation proving that these items belong to XXXX. I have requested these documents XXXX  times. I have received the same boilerplate response to this matter, with no substantiation whatsoever. I have stated that this item is a result of a theft of my identity. I have read what the law says and it states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to XXXX  transaction by the consumer.

It has been more than XXXX XXXX XXXX since the receipt of my dispute. You have no complied. This is blatant non-compliance and outright negligent on the part of your company. Plainly put, you are ignoring what the law says. 

I am are of what subsection C states : Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind XXXX  block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

My response to that is : This was NOT sent in error, NOT a material misrepresentation, and if you feel I obtained goods or services, please have a XXXX  XXXX from your company certify UNDER THE PENALTY OF PERJURY sign a sworn affidavit that I received goods or services. Please also provide proper documentation with this affidavit. 

You have ignored my requests for proper documentation. You have provided no proof of verifying or updating the validity of these entries on my consumer report. 

Let me remind you of what the law says about ignoring consumer disputes : FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general XXXX  person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of XXXX  successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

By not blocking the information I identified within XXXX XXXX XXXX and not providing proper documentation as to their validity and belonging on my consumer report, your company is liable to XXXX  for damages. 

Should I have to bring this matter to a civil court, I will highlight your multiple, willful negligence of my requests for proper validation.