Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Request for Compliance with FCRA Improper Verification and Re-Insertion of Disputed Accounts I am writing to follow up regarding my prior correspondence regarding the disputed accounts listed below, which I submitted via certified mail and via CFPB and have not received a legally compliant response : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX In my prior communication, I provided an FTC Identity Theft Report, a CFPB complaint, and other supporting documentation clearly establishing that these accounts are fraudulent and do not belong to me. Despite this, TransUnion has failed to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Provide Specific Verification Details ( FCRA 611 ( a ) ( 7 ) ) TransUnions response to my dispute failed to include the legally required details of the investigation process. Simply stating that the accounts were " verified as accurate '' without disclosing the specific methods, documentation, or evidence reviewed is insufficient and violates my rights under FCRA 611 ( a ) ( 7 ).

Failure to Block Fraudulent Accounts ( FCRA 605B ) Upon receiving my FTC Identity Theft Report, TransUnion was obligated to block the disputed accounts within four business days unless it had substantial evidence proving their legitimacy. To date, I have received no such evidence.

Failure to Notify of Re-Insertion of Deleted Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) If these accounts had previously been removed or flagged as questionable, re-insertion requires TransUnion to notify me in writing within five business days and provide documentation showing certification of their accuracy. I received no such notification or evidence, indicating non-compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) TransUnion has an obligation to conduct a thorough and reasonable investigation of all disputes. Ignoring the documentation I provided, including the FTC Identity Theft Report, suggests a lack of reasonable effort to investigate the matter properly. 
Demand for Immediate Action Given TransUnions ongoing failure to comply with the FCRA, I am making a second formal request for the following actions : Immediate Removal of the Fraudulent Accounts : XXXX XXXX ( Account Numbers : XXXX and XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Detailed Explanation of the Verification Process : What specific steps, documentation, and evidence were used to verify the disputed accounts? 
What third-party sources or individuals were consulted during the investigation? 
Compliance with Identity Theft Protections : A detailed explanation of why the evidence I submitted ( FTC Identity Theft Report, CFPB complaint, and supporting documentation ) was insufficient to have the accounts removed. 
Notice of Intent to Escalate If TransUnion fails to comply with these demands, I will have no choice but to pursue legal action under the FCRA. This includes seeking actual damages, statutory damages, punitive damages for willful violations, and attorneys fees. 

This letter is my second attempt to resolve this matter amicably. I trust TransUnion will take this matter seriously and act promptly in accordance with federal law. Should you have any questions or require additional information, you may contact me via email at XXXX or by phone at XXXX. 

Sincerely, 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