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 filing this complaint as a victim of identity theft and due to Transunions failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically with regard to their obligations under 15 U.S.C. 1681c-2 to process identity theft disputes promptly and accurately. 
Upon reviewing my credit report, I identified multiple fraudulent accounts that do not belong to me. In accordance with federal law, I submitted a formal dispute to Transunion, identifying these accounts as fraudulent and providing all required documentation to verify my identity and prove that the information resulted from identity theft. My dispute submission included the following documents : 1. A police report from the XXXX Police Department, clearly identifying me as a victim of identity theft, listing all the fraudulent accounts with their respective partial account numbers and current balances ; 2. An Identity Theft Report filed with the Federal Trade Commission ( FTC ) ; 3. A copy of my driver 's license ; 4. A utility bill as proof of my current address ; 5. A formal dispute letter explaining the accounts in question and affirming that they are fraudulent. 
Under the Fair Credit Reporting Act, I have the right to have fraudulent information removed from my credit report when I provide valid documentation. The law is very clear under : 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 having received all of the above documentation, Transunion failed to comply with the 4-business-day rule to block and remove the fraudulent accounts from my credit report. The disputed accounts remained on my report beyond the time required by law, causing continued damage to my credit profile and undue stress as a victim of identity theft. 
Furthermore, I remind Transunion and the CFPB of 15 U.S.C. 1681c-2 ( d ), which 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. 
No such notice has been provided to me, and Transunion has given no valid reason for their failure to process my request in accordance with the law. 

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

Thank you for your attention to this matter and for protecting the rights of identity theft victims under 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