Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their handling of my identity theft report and subsequent request to block fraudulent information on my credit report. Despite fulfilling all the required steps as mandated by Congress, TransUnion has failed to comply with my request, causing significant distress and inconvenience. 
Details of the Incident : On XX/XX/2024, I submitted a request to TransUnion to block information on my credit report resulting from identity theft. The Account is with XXXX XXXX XXXX account number ending in XXXX. This request included all four essential documents as required by law : Proper Identification : I provided copies of my driver 's license and utility bills to verify my identity.

Identity Theft Report : I included a copy of the FTC Identity Theft Report obtained from IdentityTheft.gov, which also serves as an affidavit.

Identification of Fraudulent Information : I clearly identified the accounts and addresses on my credit report that were the result of identity theft.

Consumer Statement : I provided a detailed statement describing the identity theft and the fraudulent activities affecting my credit report.

TransUnions Response : In response, I received a stall letter in the form of a postcard from TransUnion, stating that they could not accept some of the information I had submitted, including the FTC Identity Theft Report. This response is unacceptable and contrary to the legal requirements set forth under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

15 U.S. Code 1681q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Violations and Negligence : TransUnions refusal to accept my properly submitted documents and their failure to block the fraudulent information from my credit report constitutes non-compliance and negligence. Their actions ( or lack thereof ) are in direct violation of federal laws designed to protect consumers from the damaging effects of identity theft.

Request for CFPB Intervention : I am requesting the Consumer Financial Protection Bureau to intervene and address the following : Enforce Compliance : Ensure that TransUnion complies with the requirements of 15 U.S. Code 1681c2 by blocking the fraudulent information on my credit report.

Investigate Practices : Investigate TransUnion 's practices and handling of identity theft cases to prevent future occurrences of similar non-compliance and negligence.

Provide Resolution : Facilitate a swift resolution to this issue, ensuring my credit report is corrected and free from fraudulent information.

I have attached copies of all correspondence and documents submitted to TransUnion for your reference. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.

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