Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Approximately XXXX weeks ago, I filed a dispute for several credit accounts that had been opened in my name, without my knowledge or permission. This was filed with all three major credit bureaus. I received no benefit from the theft. I submitted an FTC Identity Theft Report, police report, arrest warrant and Indictment showing that the person who stole my identity had been identified and arrested for these acts. The reports clearly showed that the person avoided detection by being able to access a bank account owned by me that he subsequently used to make payments for several months. This was done while I was living out of the country. Both XXXX XXXX XXXX responded promptly and took the appropriate actions ; however, TransUnion used Section 605B of the FCRA to deny the removal of the fraudulent accounts because there is a " history of previous payments made, '' even though the theft report, warrants and indictments all reflect that the payments were made in an attempt to avoid detection and was in furtherance of the thefts from me. Today I received the following response from TransUnion- File Number : XXXX Date Issued : XX/XX/XXXX We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Fraud Block Request Declined- We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred. 

Therefore, in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. 

Although we are unable to block the above-referenced item ( XXXX ), we initiated an investigation into the accounts and/or public records listed in your request and will contact the data furnisher to verify the current status. You will receive the results of your investigation within XXXX  days of today, once the entire investigation is complete. 

If you are able to obtain additional information, such as a letter from the data furnisher ( XXXX ) or a court document to support your claim of identity theft and supply it to TransUnion, we will review the additional information and, if acceptable, we will close the investigation and block the applicable items within XXXX days of receipt. 

You also have the right to add a XXXX statement to your credit report describing your situation so that anyone who views your report will see this statement. Please know that if you include any medical information in your statement, this means that you're giving TransUnion permission to include that information in any future credit report we issue on your behalf. Be advised that a consumer statement stays on your file until you request its removal, even if the item referenced in the statement is removed from your credit report for any reason. 

We're here to help. Should you have any further questions please contact us at : - www.transunion.com - ( XXXX ) XXXX - XXXX XXXXXXXX XXXX XXXX, PA XXXX Please have your file number ready XXXX. 

Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

I have provided numerous supporting documents showing overwhelming proof that the accounts were opened fraudulently, without my knowledge or consent, and that I have not received any of the goods, services or money as a result of the transactions. 

At this point, TransUnion has completely ignored all proof that I have submitted and is not in compliance with the Fair Credit Reporting Act.

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