Consumer complaint received 2025-06-13 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: WA

Complaint narrative:
XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : FOLLOW-UP : Formal Dispute and Demand for Investigation Regarding Unresolved Identity Theft To Whom It May Concern : I am writing to you again to formally dispute fraudulent inquiries on my credit report and to demand an investigation into your failure to remove them as required by My personal information, previously provided for verification, is as follows : * Full Name : XXXX XXXX * Date of Birth : XX/XX/XXXX * Social Security Number : XXXX * Current Address : [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX I demand the immediate and permanent removal of the following fraudulent inquiries from XXXX XXXXXXXX : Fraudulent Inquiries for Immediate Removal : * Creditor Name : XXXX XXXXXXXX * Date of Inquiry : XX/XX/XXXX * Creditor Name : XXXX XXXXXXXX * Date of Inquiry : XX/XX/XXXX These inquiries were not authorized by me, are a direct result of identity theft, and are causing significant harm to my credit. As a victim of identity theft with a XXXX, I am afforded enhanced protections under federal law and Washington 's Vulnerable Adult Protection Act ( RCW 74.34 ). Your failure to resolve this matter is particularly egregious.

My rights are protected by the following statutes, which you are required to uphold : * Fair Credit Reporting Act ( FCRA ) : Requires the prompt removal of fraudulent information upon being notified by a victim of identity theft.

* Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : The federal law criminalizing the activity that led to these inquiries.

* Washington State Identity Crimes Law ( RCW 9.35 ) : State law providing remedies for identity theft victims.

* Washington Collection Agency Act ( RCW 19.16 ) : State-level protection against unfair practices.

* Vulnerable Adult Protection Act ( RCW 74.34 ) : Provides additional critical protections due to my XXXX. 
Given your failure to act on my previous submissions, I insist that you take the following actions immediately : * Remove Inquiries : Permanently remove all fraudulent inquiries from XXXX XXXX from my credit file. 
* Conduct an Investigation : Launch a formal investigation into why my previous dispute, supported by an FTC report and police report, was not actioned correctly and why this fraudulent data persists.

* Update Records Permanently : Update your internal records to permanently block this fraudulent information from ever being re-reported to my file.

* Maintain Protections : Confirm that the extended fraud alert and security freeze on my credit file are active.

* Provide Proof : Send me a newly updated copy of my credit report reflecting that these inquiries have been removed, along with the written results of your investigation.

I expect confirmation of these actions and a written response within ten ( 10 ) business days. 
Sincerely, 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