Consumer complaint received 2025-03-05 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: KS

Complaint narrative:
I am filing this complaint because TransUnion has violated the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) by failing to block fraudulent accounts from my credit report within the legally required timeframe and by providing false and misleading information regarding my dispute. 

Timeline of Events & TransUnions Violations XX/XX/year> Fraud Block Request Submitted I submitted a fraud block request to TransUnion under FCRA 605B. 
I provided : FTC Identity Theft Report ( # XXXX ) Proof of my identity ( passport & Social Security card ) Under FCRA 605B, fraudulent accounts must be blocked within 4 business days of receiving an identity theft report and proof of identity. 
XX/XX/year> TransUnions First Misleading Response TransUnion acknowledged receipt of my dispute but falsely claimed that it could take up to 30 days to investigate, which violates FCRA 605B. 
This is a misrepresentation of federal law because FCRA 605B does not allow a 30-day investigation periodit requires fraudulent accounts to be blocked immediately. 
XX/XX/year> Further Misleading & Noncompliant Response TransUnion stated they had contacted the creditors instead of blocking fraudulent accounts, even though FCRA 605B does NOT require creditor verification.

This is another misleading statement, as TransUnion is illegally stalling the process by claiming they must wait for responses from creditors, which is not legally required. 
XX/XX/year> Second Notice & Continued False Statements I sent a Second Notice demanding compliance with FCRA 605B.

TransUnion wrongfully rejected my request and falsely claimed that my FTC Identity Theft Report was invalid, even though the FTC report is specifically allowed under FCRA 605B as sufficient proof.

They refused to accept my proof of address, despite my address remaining unchanged.

Instead of complying with FCRA, TransUnion sent a generic " Fraud Victim Rights '' document and continued to delay my request unlawfully.

How TransUnion Violated the FCRA 1. Failure to Block Fraudulent Accounts ( FCRA 605B ) TransUnion was legally required to block fraudulent accounts within 4 business days but has failed to do so for over 3 weeks. 
XXXX. Providing False & Misleading Information ( FCRA 1681s-2 ) TransUnion knowingly misrepresented my rights under the FCRA by falsely claiming : That they have 30 days to investigate instead of the legally required 4-day period.

That creditor verification is required before blocking fraudulent accounts ( which it is not ).

That my FTC Identity Theft Report is not valid, despite it being explicitly accepted under FCRA 605B.

These false statements were made in both email and mailed communications, demonstrating a pattern of deceptive practices.

3. Failure to Maintain Accurate Consumer Reports ( FCRA 623 ( a ) ( 1 ) ( A ) ) TransUnion knowingly allowed fraudulent accounts to remain on my credit report, despite my legal right to have them blocked under FCRA 605B.

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