Consumer complaint received 2025-05-15 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:
File Number : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL RESPONSE TO FRAUD BLOCK DENIAL AND DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA To Whom It May Concern : I am writing in response to your letter dated XX/XX/XXXX, regarding my fraud block request ( File Number : XXXX ). I find your rejection of my valid XXXX XXXX Police Department Identity Theft Report both concerning and potentially in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

First, it is concerning that TransUnion is claiming my police report is " not acceptable '' when this exact same format of Identity Theft Police Report was previously accepted by TransUnion to successfully block and delete other fraudulent activity on my credit report. The report I submitted contains : 1. An official report filed with a local law enforcement agency ( XXXX ) 2. The officer 's signed business card with direct contact information 3. The official report number that can be verified by contacting the officer 4. My personal identifying information 5. Certification that I am a victim of identity theft 6. Specific dates of fraudulent activity 7. Details of the fraudulent accounts Your refusal to accept this documentation appears to be a delay tactic rather than a legitimate concern about documentation. Per section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), you are required to block allegedly fraudulent information within four business days of receiving : - Appropriate identification from me - A copy of an identity theft report - A statement that the information does not relate to any transaction by me - Items to be blocked My submission satisfied ALL of these requirements.

Furthermore, I wish to call your attention to the following FCRA violations that may be occurring : 1. * * Violation of 15 U.S.C. 1681c-2 * * : Failure to block fraudulent information within the required timeframe after receiving a valid identity theft report.

2. * * Violation of 15 U.S.C. 1681i ( a ) ( 1 ) * * : Failure to complete reinvestigation within 30 days. Your letter acknowledges you have exceeded this congressionally mandated timeline.

3. * * Violation of 15 U.S.C. 1681i ( a ) ( 5 ) * * : Failure to promptly delete information found to be inaccurate, unverifiable, or incomplete.

4. * * Violation of 15 U.S.C. 1681s-2 ( b ) * * : Failure to conduct a proper investigation of disputed information. 

5. * * Violation of 15 U.S.C. 1681e ( b ) * * : Failure to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 

It is particularly telling that the fraudulent collection account from XXXX XXXX XXXX XXXX XXXX for {$8000.00} and the US Bankruptcy do not appear on ANY of my other credit reportsnot XXXX XXXX XXXXXXXX, XXXX, or XXXX. The fact that these items appear ONLY on my TransUnion report provides strong evidence that they are indeed fraudulent. 

I demand that TransUnion immediately ( within XXXX business days as required by law ) : 1. Accept my previously submitted XXXX Identity Theft Report as valid 2. Block and remove the fraudulent collection account with XXXX XXXX XXXX XXXX XXXX for {$8000.00} 3. Block and remove the fraudulent US Bankruptcy 4. Provide written confirmation that these actions have been taken 5. Send updated credit reports showing these items have been removed If TransUnion has any legitimate concerns about the validity of my police report, I invite you to contact the XXXX XXXX directly using the contact information provided on the business card I submitted. This simple verification step would resolve any questions about the report 's authenticity. 

Please be advised that continued non-compliance with the FCRA could result in : - A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) - A complaint filed with the Federal Trade Commission ( FTC ) - A complaint filed with my state 's Attorney General - Potential civil litigation seeking statutory damages, actual damages, punitive damages, and attorney 's fees as provided under 15 U.S.C. 1681n and 1681o I expect a prompt response addressing these serious concerns and immediate compliance with the FCRA. 

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