Consumer complaint received 2025-03-02 00:00:00
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.
State: GA

Complaint narrative:
TransUnion Consumer Solutions [ Address ] [ City, State, ZIP Code ] Re : Request to Block Fraudulent Accounts File Number XXXX To Whom It May Concern, I am writing to formally request that TransUnion block the following fraudulent accounts from my credit report, as required under Section XXXX of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In your response , you stated that the fraud block request was declined because : [ No exact reason was provided by TransUnion, e.g., the item reflected a history of previous payments made, the account was opened prior to when the fraud was reported to have occurred, or the block request may have been made in error. ] However, this reasoning is inconsistent with the requirements of Section 605B of the FCRA, which mandates that credit reporting agencies block information resulting from identity theft when provided with : 1.A copy of an identity theft report ( such as my FTC Identity Theft Report ).

2.The identification of the information to be blocked.

3.A statement from the consumer that the information is not related to any transaction made or authorized by them. 
I have already provided TransUnion with the following documentation : 1.A copy of my FTC Identity Theft Report ( attached ).

2.A copy of my police report ( attached ). 
3.Identification. ( attached ) The presence of a payment history or the timing of the account opening does not negate the fact that these accounts were created as a result of identity theft. Section 605B of the FCRA does not provide exceptions for accounts with payment histories or those opened before the fraud was reported. 
I demand that TransUnion immediately block the fraudulent accounts listed above and provide written confirmation of the removal. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of the FCRA. 
Please confirm receipt of this letter and provide an update on the status of my request. If additional information is required, do not hesitate to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : Re : Request to Restore XXXX XXXX  Account [ Your File Number or Reference Number, if applicable ] To Whom It May Concern, I am writing to formally request that TransUnion restore the XXXX XXXX  account to my credit report. This account was deleted in error, and I would like it reinstated as it is a good account with a consistent payment history. 

The details of the account are as follows : Creditor : XXXX XXXX Reason for Deletion : The account was mistakenly flagged as fraudulent.

This account has been in good standing, and its removal from my credit report has negatively impacted my credit profile. Restoring this account will help ensure that my credit report accurately reflects my financial history. 


I kindly ask that TransUnion investigate this matter and restore the XXXX XXXX account to my credit report as soon as possible. Please confirm receipt of this letter and provide an update on the status of my request. If additional information is required, do not hesitate to contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter.

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 non-monetary relief