Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last 4 Digits ) : XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  , DC XXXX Subject : Formal Complaint Against TransUnion for Unlawful Fraud Alert Placement and FCRA Violations Dear CFPB Representative, I am submitting this formal complaint against TransUnion for knowingly and unlawfully placing a fraud alert on my credit report despite direct, documented communication that no such alert was authorized or warranted. This act constitutes a serious violation of the Fair Credit Reporting Act ( FCRA ) and a breach of my consumer rights. 

This morning, I was awoken by an alert from XXXX notifying me that TransUnion had added a fraud alert to my credit file. This was both alarming and infuriating, as I had clearly communicated to TransUnions management last week that I am not a victim of identity theft or fraud. I specifically explained that I was disputing the accuracy of entries on my credit report, and that no identity theft or fraud dispute had been filed. 

During that phone conversation, the TransUnion manager acknowledged my position and assured me that the issue would be corrected and no fraud alert would be placed. Despite this, TransUnion has gone ahead and added the fraud alert anyway without my authorization and in direct contradiction to our prior communication. 

This unauthorized and incorrect alert is already causing consequences, including : Lending restrictions and account reviews triggered by the false fraud alert Disruption of my financial accounts and automated payments Emotional stress and further administrative burden to correct yet another instance of negligent reporting This pattern of behavior by TransUnion reflects a systemic failure to comply with FCRA obligations, particularly : 15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S. Code 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S. Code 1681s-2 ( a ) ( 1 ) : Knowingly furnishing inaccurate information 15 U.S. Code 1681n and 1681o : Willful and negligent noncompliance I am requesting the CFPB take the following actions immediately : Launch a full investigation into TransUnions unauthorized placement of a fraud alert Require TransUnion to remove the fraud alert immediately and confirm in writing Prohibit TransUnion from placing any future alerts without my written consent Investigate TransUnions internal handling of credit report disputes and misuse of fraud indicators Seek appropriate penalties and restitution for the financial harm, mental stress, and loss of credit access caused by this misconduct TransUnion is acting with disregard for federal law and consumer rights. I urge the CFPB to intervene without delay and hold them accountable for these repeated violations. 

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 explanation