Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Subject : Response to TransUnions Non-Compliance and Deceptive Practices Dear CFPB Representative, I am writing to formally respond to TransUnions reply regarding my previous complaint, Case # XXXX, concerning their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their ongoing deceptive practices regarding my credit report. 
Key Issues and Misconduct by TransUnion : XXXX. Failure to Block Fraudulent Accounts per FCRA 605B * Despite submitting an FTC Identity Theft Report, police report, and proof of identity, TransUnion has refused to block fraudulent accounts such as : * XXXX XXXX * XXXX XXXX XXXX XXXX XXXXXXXX XXXX * They continue reporting these accounts despite clear identity theft documentation, violating FCRA 605B, which mandates the blocking of fraudulent accounts upon valid documentation submission. 
XXXX. Refusal to Accept Legally Valid Identity Theft Documentation * TransUnion falsely claimed that my FTC Identity Theft Report was not valid but provided no legal justification or explanation. 
* When I inquired about this decision, I was told, I cant tell you ; its internal. 
* This is a clear violation of FCRA 611, which requires credit bureaus to conduct a reasonable reinvestigation and provide clear explanations. 
XXXX. Deceptive Tactics and Delay Strategies * TransUnion repeatedly requests additional documents, despite receiving all legally required documentation. 
* They sent an affidavit, even though my identity theft report and police report already fulfill the legal requirements for blocking fraudulent accounts under FCRA 605B. 
XXXX. Failure to Update Contact Information * I have repeatedly requested an update to my phone number and the removal of outdated or incorrect numbers and addresses from my file. 
* TransUnion has failed to act on this request, violating FCRA 1681e ( b ), which requires them to maintain accurate records. 
XXXX. Reinsertion of Previously Removed Fraudulent Accounts * TransUnion removes fraudulent accounts after my disputes but later allows the same accounts to be placed back on my report without notification, violating FCRA 611 ( a ) ( 5 ) ( B ). 
* XXXX XXXX XXXX XXXXXXXX account was previously removed, yet TransUnion allowed it to be reinserted without following the proper reinsertion procedures. 
XXXX. Emotional and Financial Harm * Due to TransUnions negligence and continued reporting of fraudulent accounts, I have suffered : * Denial of credit opportunities * Lowered credit score * Emotional distress and prolonged frustration * Financial harm from fraudulent activity being reported under my name Requested Resolution : XXXX. Immediate and Permanent Removal of Fraudulent Accounts * Block and remove all fraudulent accounts, including : * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Blocking of Unauthorized Inquiries * Remove and permanently block all unauthorized inquiries related to identity theft. 
XXXX. Correction of My Personal Information * Remove all incorrect phone numbers, addresses, and employer information from my file. 
XXXX. Transparency and Full Disclosure * Provide a detailed written explanation of why my FTC Identity Theft Report was deemed " not valid. '' * Provide records of all investigations conducted on the disputed items. 
XXXX. Monetary Compensation for Damages * I am requesting {$10000.00} in compensation due to : * Repeated violations of FCRA 605B, 611, and 1681e ( b ) * Financial harm and loss of credit opportunities * Emotional distress caused by TransUnions deceptive practices XXXX. Full Compliance with FCRA * Ensure that all future disputes and identity theft claims are handled in compliance with federal law. 
Final Note TransUnion has continuously engaged in deceptive practices, failed to follow FCRA regulations, and caused financial and reputational harm. Their refusal to properly block fraudulent accounts, their reinsertion of previously deleted items, and their dismissal of legally valid identity theft documentation is unacceptable. 
I urge the CFPB to take immediate action against TransUnion for its non-compliance and to ensure that they are held accountable for violating federal consumer protection laws. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXX

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