Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against TransUnion for Identity Theft Handling and Violations of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against TransUnion regarding their handling of an identity theft case and apparent violations of the Fair Credit Reporting Act ( FCRA ). I believe TransUnion has failed to adequately address my concerns, and their actions have raised serious questions about the accuracy and integrity of my credit report. 

XXXXBackground : ** I initially filed an identity theft complaint with TransUnion on XX/XX/XXXX  providing detailed information and supporting documentation to demonstrate that the collections account from XXXX XXXX XXXX was a result of identity theft. This account was erroneously listed on my credit report, negatively impacting my creditworthiness. 

**Concerns and Violations : ** 1. **Repeated Removal and Re-Addition of Collections Account : ** - TransUnion removed the collections account twice between XX/XX/, and XX/XX/, only to add it back each time without proper explanation or notification. This erratic behavior raises serious concerns about the accuracy and stability of the credit reporting process. 

2. **Lack of Communication and Updates : ** - Despite my initial complaint filed three weeks ago, TransUnion has not provided adequate updates on the progress of the identity theft investigation. This lack of communication is in direct violation of the FCRA, which mandates credit reporting agencies to conduct reasonable investigations and inform consumers of the results.

3. **Failure to Act on Identity Theft Report : ** - I submitted a comprehensive identity theft report along with my complaint. However, TransUnion has not demonstrated sufficient diligence in resolving the issue, as the account continues to be inaccurately reported.

4. **Potential Violation of Privacy Act : ** - If TransUnion is indeed aware of the identity theft claim and fails to take appropriate action, it may be in violation of the Privacy Act by not adequately protecting my personal information.

**Requested Action : ** I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against TransUnion for potential violations of the FCRA , erratic reporting practices, and failure to address identity theft claims promptly.

Enclosed with this letter are copies of my identity theft report, previous communications with TransUnion, and any relevant documentation supporting my case.

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these issues and ensure fair and accurate reporting practices. 

Sincerely, XXXX XXXX XXXX