Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Second Complaint Continued FCRA Violations by TransUnion I am submitting this second formal complaint against TransUnion for continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i ( Section 611 ). Despite my initial dispute filed on XX/XX/XXXX, TransUnion failed to comply with their statutory obligations to block fraudulent information from my consumer report and to conduct a proper reinvestigation. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


In my original submission, I provided all documentation required under 605B, including : A valid identity theft report # XXXX Government-issued identification, Proof of current address, and Evidence linking me to a data breach that likely led to the fraudulent activity. 

Despite receiving this complete and timely information, TransUnion failed to block the disputed accounts within the required XXXX business days, as mandated by 605B. Instead, the accounts remained on my credit file, and TransUnion subsequently verified these accounts without providing the sources of verification, thereby failing to meet the reasonable reinvestigation standards under 611. 

This failure reflects a pattern of procedural noncompliance and disregard for consumer rights under the FCRA. TransUnions actions are inconsistent with established case law, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both of which affirm a consumers right to accurate reporting and proper investigation of disputes. 

Furthermore, TransUnions conduct appears to contradict the guidance provided in the CFPBs XXXX bulletin on credit reporting and dispute obligations, which emphasizes the importance of meaningful investigations and timely resolutions. 

I respectfully request the CFPB to take enforcement action to ensure that TransUnion fully complies with its obligations under the FCRA and that the fraudulent information is permanently removed from my consumer report.

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