Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This is the XXXX complaint that I am filing against TransUnion for the same issue. On XX/XX/2022, I filed a complaint against TransUnion to get assistance with resolving my identity theft issues. 

The original CFPB ID complaint number is XXXX. Transunion acknowledged my complaint and provided me with an Interim response on XX/XX/2022. I attached all pertinent documentation to the CFPB complaint via the CFPB upload portal. I provided TransUnion with a notarized copy of my FTC Identity Theft Affidavit, my personal Statement / written request, my State issued Drivers License, as well as proof of residence. 

TransUnion is violating my rights as a federally protected consumer because they have failed to block the identity theft accounts from my consumer disclosure report within no later than 4 days of receiving written request. 

According to 15 U.S. Code 1681c2 TransUnion is supposed to block accounts which have been identified as a result of identity theft. This law states ( 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 any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft. 
( 2 ) that an identity theft report has been filed. 
( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

TransUnion has not done the above mentioned. In fact, I received a letter from them stating they will not be blocking the accounts at this time. They were not definitive as to why they were not complying with my written request because they gave XXXX possible reasons. I then called TransUnion Fraud Assistance Dept and the agent over the phone told me that the documents were not clear and asked me to mail them again. 

The agents response over the phone is not consistent with the letter that they sent me in regard to why they have not blocked the accounts. 

TransUnion is willfully non-compliant. The credit bureaus have a grave responsibility because they have assumed a vital role in assembling information on me, the federally protected consumer. 

For their reference I have attached the stall tactic letter that they sent me in the mail. I have also made clearer copies of all my documentation for Identity Theft situation and uploaded them via the CFPB portal once again. 

This is to satisfy the agents request of the 1st documents not being clear enough. It must be something on their end because the same documents were clear enough for both XXXX and XXXX. 

TransUnion, I ask that you please fulfill my request and block the accounts from my credit reports within the time frame that is stated in the law. No later than 4 days. I must highlight that it has now been close to 30 days since I originally filed the complaint.