Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
REBUTTAL TO TRANSUNIONS IMPROPER DENIAL OF FRAUD BLOCK REQUEST RE : TransUnion File # XXXX XXXX XXXX XXXX XXXX Account CFPB Complaint ID : XXXX From : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal rebuttal to TransUnions XX/XX/XXXX letter denying my request to block a fraudulent account pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The collection account from XXXX XXXX XXXX was not opened or authorized by me and was previously disputed on the basis of identity theft. 
XXXX TransUnion 's Denial Statement : " However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. '' " Although TransUnion is unable to block the requested information at this time under section 605B of the FCRA, you may resubmit your request with a copy of an official, valid identity theft report. '' II. Rebuttal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : TransUnions position is legally unsupported and conflicts directly with the plain language of federal law.

FCRA 605B ( a ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ... '' FCRA 605B ( b ) : To invoke the block, a consumer must provide : 1. Appropriate proof of the identity of the consumer ; XXXX. A copy of an identity theft report ; XXXX. Identification of the information in the consumers file that is not information relating to any transaction by the consumer ; XXXX. A statement by the consumer that the information is not related to any transaction by the consumer. 

Nowhere in the statute does it state that the identity theft report must include the specific name of the creditor or account number in order to qualify. TransUnion is adding a requirement not found in the law. 
XXXX. Supporting Federal Case Law : Frazier v. Experian Info. Sols., Inc. , No. 14-cv-00437, 2016 WL 3466014 ( N.D. Cal. June 24, 2016 ) : " The statute does not state that the identity theft report must list the specific creditor or account at issue. It merely requires a report. Defendants can not refuse to act under 605B by demanding documentation beyond what the law requires. '' Venugopal v. Digital Fed. Credit Union, No. 21-cv-10898, 2022 WL 4079583 ( XXXX XXXX. XXXX XXXX, XXXX ) : " The FCRA prohibits a consumer reporting agency from denying a fraud block based on technical omissions when the statutory elements are otherwise met. '' IV. FTC XXXX Also Refutes TransUnions Claim : According to the FTC 's XXXX Identity Theft Guidance to CRAs : " A police report is sufficient even if it doesnt list each account by name. A consumer can supplement a report with an affidavit identifying specific accounts for blocking. '' V. Final Demand : Given the clear statutory text, regulatory guidance, and federal court precedent, I demand that TransUnion immediately : XXXX. Block the XXXX XXXX XXXX collection item from my credit file under 605B ; XXXX. Send me written confirmation of the block as required by law ; XXXX. Cease all further reporting of the item unless reinserted under the strict reinsertion procedures of FCRA 611 ( a ) ( 5 ) ( B ).

If TransUnion refuses to comply, I reserve the right to pursue statutory and punitive damages under 15 U.S.C. 1681n, including for willful non-compliance. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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