Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints 15 USC 1681 , 15 USC 1666, and 15 USC 1692 ( g ) Dear XXXX, Transunion, XXXX, and XXXX I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau XXXX CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXX and XXXX, XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : XXXX. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud. 
XXXX. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft. 
XXXX. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud. 
I kindly request the following : XXXX. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft. 
XXXX. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report. 
XXXX. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law. 
XXXX. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation. 
Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter. 
If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, 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