Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am a victim of identity theft and have repeatedly requested that XXXX  block fraudulent accounts from my credit report as required by law. Despite providing an identity theft report and other documentation, XXXX  has willfully failed to block these fraudulent items and continues to report inaccurate, unverified information, severely damaging my creditworthiness. XXXX  is violating the Fair Credit Reporting Act ( FCRA ) by : Failing to properly block information I identified as resulting from identity theft. Failing to conduct a reasonable reinvestigation of disputed items. Continuing to report fraudulent and unverified information. XXXX. CHRONOLOGY OF EVENTS & ATTEMPTS TO RESOLVE On or about XX/XX/year> : I submitted an initial dispute to XXXX, including an Identity Theft Report and other documentation, requesting a block on fraudulent accounts pursuant to FCRA 605B. XXXX  's Inadequate Response : XXXX  responded with a letter stating they could not honor my request because I " did not provide proof of [ my ] identity, '' despite their letter also acknowledging they " received a copy of [ my ] identity theft report. '' This is a contradictory and bad-faith response designed to create administrative hurdles. Further Disputes : I have subsequently submitted disputes and provided sufficient proof of my identity, yet XXXX  continues to deny my request to block the fraudulent information. In their most recent communication, they claimed my request was either " made in error, '' based on a " material misrepresentation, '' or that I " knowingly obtained... goods, services, or moneys. '' These are boilerplate, unsubstantiated accusations made without any proof and in blatant disregard of the identity theft report I provided. Ongoing Harm : The fraudulent accounts remain on my report. Each time I dispute, XXXX  engages in a " sham '' reinvestigation process, often just parroting unverified information from the furnisher, which violates their duty under the FCRA. IV. SPECIFIC LAWS AND REGULATIONS VIOLATED Law/Regulation and Violation Description FCRA 605B XXXX  is legally required to block the reporting of any information a consumer identifies as resulting from identity theft within 4 business days of receiving an identity theft report. Their refusal to do so, under the pretext of insufficient identity proofeven with an identity theft reportis a willful violation. FCRA 611 ( a ) ( 1 ) ( A ) The FCRA requires Credit Reporting Agencies ( CRAs ) like XXXX  to conduct a " reasonable reinvestigation '' of disputed information. XXXX  's practice of simply forwarding my dispute to the furnisher without any independent review or critical analysis is unreasonable. As held in XXXX v. TransUnion, CRAs can not act as mere conduits for furnisher data. FCRA 607 ( b ) This section requires CRAs to " follow reasonable procedures to assure maximum possible accuracy '' of the information they report. Continuing to report accounts that are the subject of a valid identity theft claim and that I have repeatedly disputed is the epitome of maintaining inaccurate information. FCRA ( as interpreted by case law ) In XXXX XXXX XXXX XXXX XXXX, the CFPB argued that if a furnisher can not verify a debt after a dispute, the CRA must delete it. By continuing to report these fraudulent accounts after failed verification attempts, XXXX  is in violation

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