Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear Credit Reporting Agency, I am writing to formally request the immediate blocking of fraudulent information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ). I have recently been a victim of identity theft, and as a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize or participate in. 

I was deeply troubled when I discovered these fraudulent accounts on my credit report, especially since I have always paid my bills in cash and have not participated in any of the activities associated with these accounts. I had previously hired a credit repair company a few months ago to handle this, but I now realize they are accustomed to working with clients who are at fault for their credit issues, not victims of identity theft. 

I kindly request that you delete these fraudulent items from my credit report until a full investigation has been completed. The negative impact on my credit has been severe, to XXXX XXXX where I am struggling to make even basic purchases. Enclosed, I have provided copies of my identity verification documents ( Social Security card and ID ) to confirm my identity. Please note that none of the signatures associated with these fraudulent accounts are mine, and I assure you they are the result of the identity thief 's actions. 

This is not a dispute letter, but a Letter of Suppression for the items listed below due to identity theft. I request a manual review of the information, as these inaccuracies are complex. 

Please investigate and remove the inaccurate information from my credit report. I kindly request that you notify me in writing of the results of your investigation, including a detailed description of the verification methods used, and the outcomes of your findings. 

Enclosed Documentation : A copy of the Identity Theft Report I filed with the Federal Trade Commission, dated XX/XX/2024. FTC Report Numbers : XXXX, XXXX, and XXXX. 
A copy of my identification ( Driver 's License, State ID, etc. ) to verify my identity. 
A signed statement confirming that the information listed above is not related to any transactions I authorized. 
Details of Discrepancies : Upon reviewing my credit reports, I found the following inconsistencies that I need addressed immediately : XXXX XXXX XXXX XXXX account appears only on XXXX and is missing from TransUnion and XXXX. This inconsistency raises concerns about potential identity theft. 
TransUnion 's XXXX to My Previous Request : I received a response from TransUnion rejecting my request to investigate and block fraudulent information. The reasons given were : Missing essential personal information. 
Account-specific information such as creditor name, account number, or other details not included to complete the request. 
The description of the identity theft was deemed too vague. 
Response to TransUnion 's Rejection : Please note that I have now provided all required documentation and clarified the issues. As requested in your letter, the following information has been included : A clear description of the identity theft and fraudulent activity. 
The specific accounts and creditors involved, with details regarding the discrepancies. 
The necessary supporting documents ( FTC report, ID, signed statement, etc. ) to validate my identity. 
Moreover, the requested actions and relevant details were not provided in the response from TransUnion. Specifically, I requested the following : A thorough investigation of the disputed accounts. 
Removal of the inaccurate information from my credit report. 
A written statement detailing the outcome of your investigation. 
A corrected copy of my credit report. 
The methods used to verify the disputed information. 
A list of sources consulted during the investigation. 
Documentation reviewed to support the verification of the disputed information. 
An explanation of how the accuracy of the information was verified and the criteria used for validation. 
A timeline of the investigation, including key dates and actions taken. 
These details were not provided in the response. As such, I kindly request that these points be addressed promptly. 

Requested Actions : Block the fraudulent items from my credit report as required by FCRA 605 ( b ). 
Remove any inaccurate information related to fraudulent activity from my credit report. 
Provide a written statement detailing the outcome of the investigation. 
Send a corrected copy of my credit report to the address listed above. 
Describe the specific methods and procedures used to verify the disputed information. 
Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
Detail any documentation or evidence reviewed to support the verification of the disputed information. 
Explain how the accuracy of the information was verified and the criteria used for validation. 
Outline the timeline of the investigation, including key dates and actions taken. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress. I look forward to your timely response. 


Cc : Consumer Financial Protection Bureau Attorney XXXX XXXX XXXX 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