Consumer complaint received 2021-06-16
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. (TX)

Complaint:
RE : My TransUnion letter dated XX/XX/XXXX ( enclosed ). 

Could someone please read through my attached ID Theft Police Report? 
I am not having any luck with the CFPB site. I am still needing help with my TransUnion letter ( attached ) indicating that my Police Report is not valid. I have tried asking for help with the CFPB. The CFPB yet has only forwarded my same questions that I have regarding my ID Police Report to TransUnion. However, I am really wanting the answer to my question does my submitted to TransUnion ID Theft Report include essential information ( TransUnion claims per 605B of the FCRA the Police Report is missing essential information )? 
Yesterday, XX/XX/XXXX, the following is the TransUnion response I received through CFPB : Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no mention in the Companys Response from TransUnion about my Police Report. I still have no answer to my initial complaint. This TransUnion Response also answered nothing related to my initial letter to CFPB. I am not sure who advocates on my behalf, now. 

Again, TransUnion states in their attached letter dated XX/XX/XXXX that my ID Theft Report not valid because the Police report is missing essential information, per 605B of the FCRA. I did provide a complete ID Theft Police Report with identifying information and how my information was used to open credit card accounts. I have also provided complete account specific information and with partial account numbers. 
I am enclosing all four pages of my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

Is this enough information to make my ID theft Report valid under 605B of the FCRA? 
If it does, please somehow let TransUnion know that my Police Report is really valid. I have also tried unsuccessfully and related to ID Theft Police Report to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX XXXX Account Number XXXX. 
Please contact me at ( XXXX ) XXXX, if further information is needed. 
Thank you. 
Sincerely, XXXX XXXX XXXX SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation