Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent : Dispute and Request for Credit Freeze - Violation of Fair Credit Reporting Act and Nevada State Law To Whom It May Concern : This letter constitutes a formal dispute regarding the inability to place a credit freeze on my TransUnion credit report. I have attempted to initiate a credit freeze through [ method of freeze attempt, e.g., website, phone ] on [ date ( s ) of attempts ], but my requests have been unsuccessful.

The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-1, explicitly grants consumers the right to place a security freeze on their credit reports without charge. This right is further reinforced by Nevada state law ( NRS 603A ). The FCRA mandates that credit reporting agencies must comply with consumer requests for credit freezes within one business day.

TransUnion 's failure to process my credit freeze request constitutes a violation of both federal and state law. This inaction creates a significant risk to my financial security by exposing me to potential identity theft and fraudulent credit activity. 

Relevant Case Law and Credit Law References : * XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) : This case established the FTC 's authority to regulate credit reporting agencies and enforce compliance with the FCRA. The court affirmed the importance of consumers ' rights to access and control their credit information. 
* XXXX v. XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) : This case addressed the liability of credit reporting agencies for inaccuracies in credit reports and the importance of consumer rights under the FCRA. 
* 15 U.S. Code 1681e ( b ) : This section of the FCRA mandates that credit reporting agencies must investigate consumer disputes and correct any inaccurate or incomplete information.

* Nevada Revised Statutes Chapter 603A : This chapter of Nevada law provides specific protections for consumers ' credit rights, including the right to place a security freeze on their credit reports. 
I demand that TransUnion immediately investigate this issue and rectify the error preventing me from placing a credit freeze on my account. I expect a written response within the timeframe mandated by the FCRA ( 30 days ) that includes the following : * A detailed explanation of the reason for the unsuccessful freeze attempts. 
* Confirmation of the successful placement of a credit freeze on my TransUnion credit report. 
* A plan to prevent similar issues from occurring in the future. 
I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Nevada Attorney General 's office, and the Federal Trade Commission ( FTC ), if TransUnion fails to resolve this matter promptly and satisfactorily. 
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 non-monetary relief