Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to properly investigate and remove fraudulent accounts and inquiries from my credit report after I was a victim of identity theft. Despite following the necessary procedures to dispute these errors, TransUnion has ignored my requests and failed to take corrective action, negatively impacting my credit profile. 

Steps Taken to Address Identity Theft and Dispute Errors XXXX. Filed an Identity Theft Report Upon discovering unauthorized accounts and inquiries on my credit report, I promptly filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX. A copy of this report was included in my dispute submission to TransUnion.

2. Placed a Fraud Alert and Credit Freeze I requested and successfully placed a fraud alert on my credit file through all three major credit bureaus ( TransUnion, XXXX, and XXXX ) and initiated a credit freeze to prevent further fraudulent activity.

3. Submitted Dispute to TransUnion On XX/XX/XXXX, I formally submitted a dispute to TransUnion, providing detailed information about the fraudulent accounts, including : A copy of my government-issued ID Proof of residence A police report/FTC Identity Theft Report Copies of statements showing fraudulent transactions A written statement explaining the disputed items 4. Followed Up on Dispute After not receiving a response within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), I contacted TransUnion multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail to check the status of my dispute. 
5. Received No Resolution from TransUnion Despite providing all necessary documentation, TransUnion has failed to remove the fraudulent accounts from my credit file. They have either ignored my dispute, provided generic responses without investigation, or reinserted the fraudulent accounts without proper notification.

Requested Action Due to TransUnions noncompliance with FCRA regulations, I am requesting the CFPBs intervention to ensure that : TransUnion fully investigates my dispute and permanently removes all fraudulent accounts and inquiries. 
TransUnion provides me with a written statement detailing the results of their investigation.

I receive a corrected credit report reflecting the removal of all fraudulent information.

TransUnions failure to address my dispute has caused financial harm, including lowered credit scores, denied credit opportunities, and undue stress. I respectfully request that the CFPB take immediate action to ensure TransUnion complies with federal regulations and properly corrects my credit report.

Thank you for your time and assistance in resolving this matter. Please feel free to contact me if further information is required. 

Sincerely, XXXX 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