Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX  ) XXXX XXXX  Florida XXXX TransUnion Customer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have filed multiple disputes relating to identity theft and fraud. I have attached a copy of my Identity Theft Affidavit ( see attachments ), yet TransUnion keep saying it has been verified and updated. 
Under the Fair Credit Reporting Act, specifically sections 1681n and 1681, TransUnion could be held liable for both willful and negligent non-compliance. That means if you continue to refuse to block these fraudulent accounts, after I have submitted a valid identity theft report, I can sue TransUnion personally for damages. These sections allow for statutory damages, punitive damages, and attorney fees. 

Fraudulent accounts : XXXX XXXX Account # XXXX opened on XXXX  XXXX XXXX  Account # XXXX opened XXXX. 
XXXX XXXX  Account # XXXX opened XXXX. 
XXXX XXXX Account # XXXX opened XXXX. 

By refusing to comply, youre willfully violating FCRA section 605B. Additionally, you may be in violation of 15 U.S.C 1682s-2 ( b ), which requires furnishers to stop reporting in accurate information after being notified of a dispute. This refusal could put TransUnion at risk for personal legal liability. I am prepared to escalate this with formal complaints to the CFPB, FTC, and even file a lawsuit directly against you for non-compliance. I submitted and resubmitted Identity Theft affidavit with all the documentation that was necessary. FCRA section 605B clearly states that all fraudulent accounts are to be BLOCKED from my credit report within 4 business days. 


Your involvement here could result in a lawsuit not just against TransUnion, but against you individually. I will pursue every legal remedy available to hold TransUnion accountable for the financial harm your non-compliance has caused me. 

A lot of supervisors dont know they can be held accountable for non-compliance. 

In addition, since TransUnion is stating the furnishers verified these accounts, I am requesting a detailed description of the investigation process followed by TransUnion regarding the disputed fraudulent accounts on y credit report pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 1 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute. 

FCRA 611 ( 15 U.S.C. 1681I ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the FICO report they maintain. 

P.S. I will be sending a notarized letter certified mail, to all allow my Attorney XXXX XXXX to communicate on my behalf. 

Sincerely, XXXXXXXX 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