Consumer complaint received 2024-08-15 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: NV

Complaint narrative:
Re : Response to Fraud Block Request Decline file # XXXX Dear TransUnion, I am writing in response to your letter dated XX/XX/year>, in which you declined my request to block certain information related to identity theft from my credit report. I appreciate your thorough investigation, I do not believe an investigation was done, I also requested the above address be the only address on file due to being a victim I only need addresses that are associated with me. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not. Please remove as well. but I respectfully disagree with your decision and would like to address the concerns you raised. 

XXXX. History of Previous Payments : You mentioned that the fraud block request was declined because the account reflected a history of previous payments. I want to clarify that these payments were not made by me but by the individual who committed the identity theft. I have no connection to this account beyond it being fraudulently opened in my name. 

XXXX. History of Previous Disputes : If there is a history of previous disputes on the account, I would like to clarify that these disputes were initiated in my effort to rectify the identity theft. The fact that these disputes exist should further support my claim that this account was fraudulent from the start. 

XXXX. Account Opened Prior to Fraud Report : While the account may have been opened prior to the date I reported the fraud, it was only after I became aware of the fraudulent activity that I was able to report it. Identity theft is often discovered after the fact, and this should not be a reason to deny my request. 

XXXX. Additional Evidence : What additional docs do you need? This seems to be a system generated response rather than a human. What type of letter form data furnisher? What court docs if I am unaware of who committed the crime? 
XXXX. Request for Further Action : If TransUnion requires further documentation, please specify exactly what is needed so that I can provide it promptly. If police report is provided will this suffice or will you continue to harm my character and report by using automated responses? I would like to know the name of who is working on this file as I am in strong belief this is a robot response. My goal is to ensure that my credit report accurately reflects my credit history, free from fraudulent accounts that were opened without my consent. 

XXXX. Consumer Statement : Additionally, I am considering adding a consumer statement to my credit report but would like to resolve this issue first. Please confirm whether this can be done once the fraudulent account is blocked or if it needs to be done beforehand. 

I appreciate your continued attention to this matter and look forward to your prompt response. If you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation.

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