Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding TransUnion 's fraudulent reporting practices that have caused significant harm to me. On XXXX XXXX XXXX, I received a letter from TransUnion confirming the removal of six fraudulent accounts from my consumer report. However, on XXXX XXXX XXXX, XXXX XXXX was re-added to my report without my knowledge or consent. Similarly, on XXXX XXXX XXXX XXXX XXXX XXXX appeared on my report, again without notice or written authorization from me.

On XXXX XXXX XXXX, I made several attempts to contact TransUnion regarding these unauthorized changes. Despite multiple calls, I only received one callback. During this callback, I spoke to a representative named XXXX XXXX ( ID # XXXX ) at XXXX XXXX. XXXX reviewed my consumer report and noted that these accounts were not reflected in his system at that time. After updating his system, he acknowledged that these accounts should not have been added without my explicit written consent and assured me that they would be removed immediately. He then transferred me to another representative named XXXX at XXXX XXXX 

XXXX refused to provide her employee ID number and falsely claimed that she was unable to do so. She also refused to provide any documentation or explanation as to why these accounts were re-added to my consumer report without my permission. Furthermore, she stated that I have no control over what is reported on my consumer file, claiming that creditors own and control what is reported, and that consumer protection laws are designed to be used against me rather than to protect my rights. This interaction was highly distressing and has further compounded the emotional, mental, and physical harm I have suffered as a result of TransUnions actions over the past 10 months. 

I have previously notified TransUnion of four data breaches in which my personal information was compromised. I have submitted reports to the Federal Trade Commission ( FTC ), filed identity theft reports, provided police reports, affidavits of truth, and a power of attorney that overrides any and all permissions. Despite these measures, TransUnion continues to act in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and the Code of Federal Regulations ( CFR ).

TransUnions repeated failures to address these issues, and their unauthorized and fraudulent actions, have caused me severe distress. Their practices are in clear violation of federal consumer protection laws, including the FCRA, which governs the proper handling and accuracy of consumer reports. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold TransUnion accountable for its continued violation of my rights.

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