Consumer complaint received 2025-08-24 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: AR

Complaint narrative:
On XX/XX/XXXX I mailed Transunion a Identity theft affidavit to dispute several fraud-related accounts. Instead of investigating the disputed accounts, Transunion responded with a letter stating they applaud my efforts but refused to investigate my claims due to accusing me of using a credit repair company. 
Facts On [ insert date ], I submitted an Identity Theft Affidavit ( FTC XXXX XXXX or equivalent ) to TransUnion, along with supporting documentation. 

TransUnion failed to conduct a reasonable investigation, instead rejecting my dispute on the grounds that it believed a credit repair company was involved. 

This is inaccurate, prejudicial, and a violation of my legal rights under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Applicable Laws Violated Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information.

1681i ( a ) ( 2 ) : Requires notice to furnishers of disputed information and proper reinvestigation.

1681c-2 ( Section 605B ) : Requires blocking of information that results from identity theft once the consumer provides an identity theft report.

1681g ( a ) : Requires disclosure of all information in the consumers file upon request.

FCRA 1681i ( a ) ( 3 ) ( A ) A CRA can only decline a dispute if it reasonably determines the dispute is frivolous or irrelevant and must notify the consumer with the reasons.

Accusing me of using a credit repair organization is not a lawful reason to refuse investigation where I provided a valid identity theft affidavit. 

Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679 et seq.

Even if TransUnion suspected credit repair involvement, the law does not permit TransUnion to ignore its independent statutory obligations to reinvestigate disputes and block identity theft information.

FTC/CFPB Guidance on Identity Theft Reports CRAs are required to honor valid identity theft affidavits and must not obstruct consumers by denying reinvestigation based on suspicion of credit repair activity.

Harm Caused TransUnions refusal to investigate has caused continued reporting of fraudulent accounts/inquiries, damaging my credit, reputation, and financial opportunities. 

I have suffered financial and emotional harm as a direct result of their noncompliance. 

Relief Requested I respectfully request that the CFPB take enforcement action and direct TransUnion to : Immediately comply with FCRA 605B and block all information related to the identity theft report I submitted.

Conduct a reasonable reinvestigation under FCRA 611 ( 1681i ) of all disputed items.

Provide me with a written explanation of the results of their reinvestigation.

Cease using improper justifications ( such as accusing me of using a credit repair company ) to deny legitimate consumer disputes. 

Compensate for damages as allowed under the FCRA.

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 explanation