Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically in relation to a valid identity theft dispute that I submitted, which included an Identity Theft Report submitted on XXXX as defined under federal law. 

On [ Insert Date ], I submitted a dispute to TransUnion pursuant to 15 U.S.C. 1681g ( e ) and 1681i ( a ), concerning fraudulent information appearing on my credit report resulting from identity theft. As part of my dispute, I submitted a complete and valid FTC Identity Theft Affidavit, which I obtained directly from * * www.identitytheft.gov * * the official site of the Federal Trade Commission ( FTC ). 

Despite complying with all statutory requirements, TransUnion refused to properly process my dispute and falsely claimed that my Identity Theft Report was not valid, which directly contradicts the definitions and procedures outlined in the FCRA. 

Applicable Law & Violations : 1. Violation of 15 U.S.C. 1681g ( e ) : This section defines what constitutes an Identity Theft Report, which includes : A report that is a statement or affidavit made by a consumer to a law enforcement agency or to the FTC. 

If provided through the FTCs IdentityTheft.gov website, it meets the statutory requirements as a valid Identity Theft Report. 

TransUnions rejection of a legitimate FTC Identity Theft Report is a direct violation of this provision.

2. Violation of 15 U.S.C. 1681i ( a ) : Under this section, a consumer reporting agency must conduct a reasonable investigation upon receiving a dispute. My submission included : A valid Identity Theft Report. 

Proof of identity. 

A clear statement identifying the fraudulent information. 

TransUnions failure to investigate and its improper denial of my affidavit constitute a willful and negligent violation of its duties under the FCRA.

3. Violation of 15 U.S.C. 1681c-2 : This provision mandates that a consumer reporting agency must block information that is the result of identity theft within four ( 4 ) business days of receiving : Proof of identity, A copy of a valid Identity Theft Report, Identification of the fraudulent information, A statement from the consumer requesting the block.

TransUnion failed to meet the statutory time requirement and failed to block the fraudulent accounts, despite my full compliance.

4. Potential Willful Noncompliance 15 U.S.C. 1681n : If a consumer reporting agency willfully fails to comply with any requirement under the FCRA, it is liable for actual damages, punitive damages, and attorney 's fees.

5. Negligent Noncompliance 15 U.S.C. 1681o : Even if not willful, TransUnions negligence in failing to process a valid FTC Identity Theft Report also subjects them to liability for actual damages and costs.

Requested Relief : I respectfully request the CFPB to investigate and compel TransUnion to : Immediately block the fraudulent information pursuant to 15 U.S.C. 1681c-2.

Reinvestigate and correct the dispute under 15 U.S.C. 1681i.

Acknowledge the FTC Identity Theft Affidavit as a valid report under 15 U.S.C. 1681g ( e ).

Provide written confirmation of the removal or blocking of the disputed items.

Impose appropriate sanctions for TransUnions failure to comply with federal law.

I am also preserving my right to seek legal remedies under 15 U.S.C. 1681n and 1681o for damages due to this improper handling of my identity theft dispute.

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