Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Subject : Complaint Against TransUnion for Noncompliance with Section 605C of the FCRA Dear CFPB, I am submitting this formal complaint regarding TransUnions repeated noncompliance with Section 605C of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], which protects survivors of XXXX XXXX. Despite providing all required documentation multiple times to support my request for blocking adverse credit information, TransUnion has unjustly denied my request without explanation or any information regarding an appeals process. 
Background I am a survivor of XXXX XXXX and the adverse information on my credit report directly results from my XXXX  experience. As such, I submitted a XXXX  block request to TransUnion in accordance with Section 605C. My submission included : 1. Signed self-attestation form, fulfilling the victim determination requirements outlined in 12 C.F.R. 1022.142 ( b ) ( 6 ) ( i ). 
2. Supporting documentation from XXXX XXXX XXXX, an XXXX affiliated with a federally recognized human trafficking task force. 
3. A list of adverse items of information, which I requested to be blocked from my credit report.

TransUnion has rejected my submissions without providing the required detailed reasons for denial or information on how to appeal, as mandated under 12 C.F.R. 1022.142 ( f ). 
Compliance by Other CRAs Other major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX, reviewed the same documentation and approved my request to block the adverse information. TransUnion remains the only outlier, refusing to comply with federal law. 
TransUnions Noncompliance TransUnion has failed to meet its obligations under Section 605C and 12 C.F.R. 1022.142, specifically : 1. Failure to Temporarily Block Information : TransUnion did not block the adverse information within the required four business days of receiving my submission. 
2. Failure to Notify : TransUnion did not notify me within five business days if additional information was necessary to process my request. 
3. Failure to Provide a Final Determination : TransUnion has not provided a final determination within 25 business days nor any information about its appeals process. 
Impact TransUnions failure to comply with federal law has caused me significant emotional distress and financial harm. As a survivor of XXXX XXXX I depend on these legal protections to rebuild my life. TransUnions inaction further retraumatizes me and prevents me from moving forward. 
Request for Action I respectfully request that the CFPB : 1. Investigate TransUnions noncompliance with Section 605C of the FCRA. 
2. Ensure TransUnion processes my XXXX block request promptly and provides written confirmation of its action. 
3. Take enforcement action against TransUnion for its failure to comply with federal law and for denying survivors the protections guaranteed to them. 
Attachments To support this complaint, I have included the following : Copies of my original Section 605C submissions to TransUnion. 
Documentation from XXXX XXXX XXXX verifying my XXXX  status. 
Correspondence from other CRAs that approved my request under Section 605C. 
Thank you for your attention to this matter. Please feel free to contact me directly if additional information or documentation is required. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXXXXXX 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