Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX TransUnion Consumer Solutions Re : Dispute of Credit Report Information and Violation of FCRA Rights File Number : XXXX Dear TransUnion : I am writing to formally dispute inaccurate information on my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My previous attempts to resolve these issues have been unsuccessful, and I am deeply concerned about the mishandling of my identity theft claim and credit report disputes. 
Failure to Block Information Resulting from Identity Theft : On XX/XX/XXXX, I submitted a complaint to the CFPB against TransUnion, which included my FTC Identity Theft Report, state-issued Driver 's License, Social Security Card , and detailed reasons for disputeXXXX XXXX XXXX XXXX XXXX, you were required to block the reporting of information resulting from alleged identity theft within 4 business days of receiving this information. You have failed to do so, violating this crucial protection for identity theft victims. 

Violation of Reinvestigation Procedures : Your failure to properly investigate and resolve my disputes within the required 30-day timeframe violates XXXX XXXX. XXXXXXXX XXXX XXXX XXXX This section mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Your repeated failures to do so, coupled with your inconsistent communications about deleted items that still appear on my report, demonstrate a clear violation of this requirement.6 Misleading Communications : You have repeatedly sent me conflicting information about the status of my credit report, including notifications of deleted items that continue to appear on my report. This practice is deceptive and violates the FCRA 's requirement for accuracy in reporting. 

Failure to Provide Investigation Details : Despite my requests, you have failed to provide details about your investigation process, including the methods used and the parties contacted. This lack of transparency violates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which requires consumer reporting agencies to provide a description of the procedure used to determine the accuracy and completeness of the information. 

Denial of Arbitration Request : Your refusal to accept my verbal notice of intent to file for arbitration is concerning and may violate my rights under your arbitration agreement. 

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I remind you that TransUnion has previously been subject to enforcement action by the Consumer Financial Protection Bureau for FCRA violations, including failures related to security freezes and locks. Your actions in my case suggest ongoing compliance issues that may warrant further regulatory scrutiny.

Be advised that your continued failure to address these issues may result in legal action. The FCRA provides for actual and punitive damages, as well as attorney 's fees, for willful noncompliance with the statute. 
I await your prompt response addressing each of the points raised in this letter.

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