Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Department of Consumer Complaints, Fraud Division Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX And TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear XXXX XXXX, I am writing to formally request the assistance of the Federal Trade Commission ( FTC ) in addressing a serious matter involving TransUnion, which has failed to comply with federal law regarding identity theft. I also ask that the FTC investigate TransUnions broader business practices, as there appear to be numerous consumer complaints about TransUnion neglecting to properly address fraud disputes and failing to fulfill its legal obligations. 

I notified TransUnion that I was a victim of identity theft and that my personal information had been exposed in the Equifax data breach. Specifically, I informed TransUnion that the XXXX XXXX account appearing on my credit report is fraudulent .Additionally, my mail was previously rerouted to another address without my consent, though that issue has since been resolved. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), governs what credit bureaus must do when notified of identity theft. The law clearly states : 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 XXXX 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.

Failure to comply with this requirement is a violation of the FCRA and can subject the agency to civil liability, including actual damages, statutory damages, punitive damages, attorneys fees, and potential FTC enforcement actions under 15 U.S.C. 1681n and 1681o. 

It has now been well over XXXX ( XXXX ) business days since I provided TransUnion with formal notice of the identity theft, along with the necessary documentation, yet the fraudulent XXXX XXXX account remains on my credit report. This is a direct and clear violation of federal law. 

I hereby demand that TransUnion immediately block and remove the XXXX XXXX account from my credit report in accordance with the FCRA. I have once again attached a copy of the identity theft report and the supporting documentation for your reference. 

Moreover, I respectfully request that the FTC investigate TransUnions broader business operations, as there is mounting evidence that many consumers are experiencing the same type of neglect and noncompliance when reporting fraud and identity theft. 

If TransUnion does not comply with the law, I will be forced to proceed with legal action against the company for violations of my rights under the FCRA. 

Thank you for your attention to this urgent matter. I trust that with your assistance, TransUnion will be held accountable and consumers rights will be protected. The law clearly states that the credit bureau must block the disputed information first and then carry out an investigation should the matter warrant it. You are clear violation of the law delete this account from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO 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