Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized fraud alert placed on my TransUnion credit report on XX/XX/year>. I did not request, authorize, consent to, or initiate any fraud alert to be placed on my file. 
This placement is false, unjustified, and appears to be a stall tactic used by TransUnion to delay legitimate dispute investigations. I have been fully engaged in active reinvestigation disputes and have submitted all legally required documentation. TransUnions unilateral placement of a fraud alert without my request is an improper obstruction of my lawful right to reinvestigation.

Fraud alerts may only be added at the direct request of the consumer or upon proper identity theft documentation. Neither of those conditions occurred.

This conduct constitutes a clear violation of federal law, including but not limited to : Legal Violations Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 605A ( Fraud Alerts ) Fraud alerts may only be placed upon request of the consumer or with verified identity theft documentation.

I made no such request and did not submit any identity theft claim.

15 U.S.C. 1681s-2 & 1681i ( Reinvestigation Rights ) Credit bureaus must conduct disputes in good faith and may not impose procedural obstacles that obstruct consumer investigations.

The unauthorized fraud alert was used to improperly stall or interfere with my active disputes.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy TransUnion is required to maintain reasonable procedures to ensure credit file accuracy.

Reporting that I requested or require a fraud alert when I did not constitutes inaccurate information on my file. 
XXXX XXXX Compliance Violations The XXXX XXXX Reporting Guidelines require credit bureaus to ensure : Consumer identity flags are only applied based on legitimate consumer requests or documented fraud Bureau systems must prevent unauthorized placement of consumer status restrictions Reporting must remain accurate, verifiable, and not deceptive TransUnion violated XXXX XXXX compliance by assigning a fraud alert without consumer authorization or identity theft validation. 
FDCPA Considerations While TransUnion is not a debt collector, its conduct directly interferes with protections afforded under the FDCPAs prohibitions against deceptive, obstructive, or misleading practices in debt validation. 
By inserting an unauthorized fraud alert that obstructs lawful investigations and verification processes, TransUnion has materially interfered with my ability to challenge and validate adverse reporting, directly undermining federally protected consumer rights. 
Additional Evidence of Misconduct This is not an isolated incident. Credit reporting agencies are currently under federal scrutiny for employing stall tactics, including : Improper working with a third-party dispute letters Unauthorized fraud alerts Suspended or delayed reinvestigation timelines Identity re-verification demands not required under law TransUnions fraud alert placement matches these documented tactics.

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