Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I submitted two formal complaints to the Federal Trade Commission ( FTC ) regarding identity theft and fraud. These complaints were assigned ( reference numbers XXXX and XXXX ). On XX/XX/XXXX, I sent a physical file to all credit reporting agencies ( CRAs ) via USPS. This file included copies of both FTC reports, as well as copies of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. Sec 1681c-2 ), which requires XXXX  to " block '' any information that a consumer identifies as fraud resulting from alleged identity theft " not later than four business days after the date of receipt by such agency. '' I provided all CRAs with a " Letter of Notification of Dispute to Bureau '' concerning the identity theft and fraud, the two formal reports submitted to the FTC, and five document copies for identification and verification, including my driver 's license, social security card, bank statement, IRS 2023 filing, as well as complaint numbers filed with the Consumer Financial Protection Bureau ( CFPB ). Additionally, I included the " Notice to Furnishers of Information Under The FCRA, '' which contained all " Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 ''. 
However, XXXX has refused to act lawfully, ethically, and equitably by not deleting all information on my credit reports that have been directly affected by fraud, despite being directed to do so under FCRA regulations and citations. XXXX has been made aware of TransUnion 's report to the CFPB supporting the integrity of my claim. Yet, they sent me an email on XX/XX/XXXX, indicating that they were unable to honor my requests under Section 611 ( a ) ( 3 ) ( A ) and indicated they were not in receipt of the files ; when I have tangible proof they had been since the XXXXXXXX XXXX  XXXX, just as XXXX and Transunion have proven through their professional, ethical manner. 
This complaint contains substantially new information and evidence. It seeks a response from XXXX through actions now requested, specifically the deletion of all information I have identified as being party to fraudulent acts within the four business days of this second, newly evidenced, and supported complaint. I will be sending XXXX a physical file for the second time, which they will receive by XX/XX/XXXX. Further, I will be filing concurrent complaints with the C.F.P.B. regarding the aforestated actions against XXXX for violation of FCRA regulations and citations where an alleged identity theft and fraud report has been formally filed, as well as all other requirements were met by the consumer, where within four business days of receipt of the consumers notification of dispute due to identity theft and fraud ; most of the accounts not only are self-evident of further violations of FCRA, failing to investigate beyond the account is mine when most fraud from identity theft occurs after the credit has been accepted and by a large margin ; there are multiple accounts, as many as five where under dispute ( s ), as recently as today, that XXXX claimed they investigated and reinvestigated, and then after complaints filed with the FTC and CFPB, again stating they investigated with every single closing response ending with meets the requirements of FCRA. The problem is these five accounts, like most of the accounts on my XXXX report As I write this, TransUnion has fully completed deleting all accounts and information filed with the FTC as identity theft and fraud ; further, it looks as though XXXX has already begun this process, and several accounts remain on my XXXX report that have indicated they are still processing. I have no doubt XXXX will conclude in the same professional, ethical manner as they were first to begin. Both have my sincerest gratitude. Please see all attachments for evidence, and my following complaints will serve as evidence of why XXXX should no longer be allowed to serve as a CRA, and by solely objective measures. You will have no doubts about the certainty of that declaration ; the difference between Transunion and XXXX as professional, ethical CRAs in the review of XXXX is... just read my follow-up complaints.