Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint as a victim of identity theft and due to TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their obligations under 15 U.S.C. 1681c-2 to properly process disputes related to fraudulent accounts.

Upon reviewing my credit report, I discovered multiple fraudulent accounts that I did not authorize or open. I promptly submitted a formal dispute to TransUnion identifying the fraudulent items and providing all documentation required by federal law to support my claim of identity theft. My submission included the following : A police report from the XXXX XXXX XXXX, explicitly identifying me as a victim of identity theft ; An Identity Theft Report from the Federal Trade Commission ( FTC ) ; A copy of my drivers license ; A utility bill showing proof of my current address ; A formal written dispute letter outlining the specific fraudulent accounts and asserting that I did not authorize or open any of them. 

Under the FCRA, I am entitled to have fraudulent information resulting from identity theft blocked from my credit file within XXXX business days of the credit bureau receiving the necessary documents. The law is clear : 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Despite TransUnion having received all of this documentation, they did not comply with the XXXX requirement outlined in the FCRA. The fraudulent accounts remained on my credit report well beyond that period, and no timely action was taken to block or delete the accounts, as required by law. 

Furthermore, under 15 U.S.C. 1681c-2 ( d ), once a block has been placed, a credit reporting agency may not reinsert the same information unless certain stringent criteria are met which has not occurred in my case. The provision states : Information blocked ... may not be reinserted in the file ... unless the person resubmitting the information certifies that the information is correct, and the consumer is notified in writing prior to the reinsertion.

This noncompliance by TransUnion is a violation of federal law, and it has caused me significant stress, harm to my credit, and concern for my financial reputation. As a XXXX individual receiving XXXX care in a XXXX facility for the last XXXX years, it is not possible that I opened or used these fraudulent accounts. 

I am respectfully requesting the CFPB take the following actions : Investigate TransUnions failure to timely block and delete fraudulent items from my credit report as required by 15 U.S.C. 1681c-2 ( a ) ; Require TransUnion to permanently delete and block the fraudulent accounts and prevent re-reporting of this information, pursuant to 15 U.S.C. 1681c-2 ( d ) ; Ensure TransUnion is held accountable for its noncompliance with the FCRA, and that my full rights as a victim of identity theft are upheld.

I have uploaded copies of the police report, FTC Identity Theft Report, and my original dispute letter for your review. 

Thank you for your assistance in helping ensure my rights are protected and this matter is resolved in accordance with federal law.

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