Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
Heres a draft complaint description for the CFPB regarding TransUnion 's refusal to acknowledge and address your dispute : -- - **Subject : Complaint Against TransUnion for Failure to Address Fraudulent Information Dispute in Violation of FCRA and California Law** **To Whom It May Concern, ** I am filing this complaint against TransUnion for failing to properly address a dispute regarding fraudulent information on my credit report, despite being provided with an official FTC identity theft report and supporting documentation, as required under the Fair Credit Reporting Act ( FCRA ) and California state law . 

On XXXX XXXX, XXXX, I submitted a dispute to TransUnion through the CFPB and directly to TransUnion, including an official FTC identity theft report ( filed at www.ftc.gov ), two forms of identification, and a detailed dispute letter. The FTC identity theft report is a legally recognized document under the FCRA, and TransUnion is obligated under **Section 605B** to block fraudulent information within **four business days** of receiving such documentation. However, as of the current date, TransUnion has failed to meet this statutory requirement and continues to allow fraudulent inquiries and information to appear on my credit report. 

The fraudulent inquiries I have disputed include : - XXXX XXXX inquiry on XXXXXXXX XXXX, XXXX - *XXXX XXXX XXXXXXXX inquiry on XXXX XXXX XXXX XXXX - **XXXX** inquiry on XXXX XXXX, XXXX Despite my submission of all required documentation and multiple follow-ups, TransUnion falsely claims that the documentation provided is not valid, which is untrue , as I provided the FTC identity theft report directly from the official website ( www.ftc.gov ). This refusal to block the fraudulent inquiries and other unauthorized information is a direct violation of the FCRA. 

Additionally, TransUnion has provided misleading information in email correspondence, claiming that the disputed items no longer appear on my report or that the documentation provided is invalid. This conduct constitutes misrepresentation of credit report procedures and is an unethical and unlawful attempt to avoid addressing my legitimate dispute. 

I request that TransUnion immediately remove all unauthorized and fraudulent information from my credit report, including the inquiries mentioned above, in accordance with **Section 605B of the FCRA**. TransUnion has been in receipt of this dispute since XXXX XXXX, XXXX, and their failure to act within the required four-business-day timeframe to resolve this dispute is a violation of the law. 

I am also requesting financial compensation for the repeated violations of my rights, the intentional hardship caused, and the undue delays in resolving this matter. Attached to this complaint are : 1. A copy of the FTC identity theft report.

2. TransUnions email correspondence.

3. Copies of my identification. 

TransUnions failure to follow federal and state consumer protection laws has caused significant damage to my financial well-being, and I am demanding immediate corrective action to resolve this situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 explanation