Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
# CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT * * REQUEST FOR CFPB INVESTIGATION INTO TRANSUNION 'S SYSTEMIC VIOLATIONS * * * * Date : * * XX/XX/year> * * Consumer : * * XXXX XXXX XXXX * * Address : * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX * * Company : * * TransUnion LLC XXXX XXXX Address : * * XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX - # # URGENT REQUEST FOR CFPB INVESTIGATION AND ENFORCEMENT ACTION I am filing this formal complaint and * * requesting that the Consumer Financial Protection Bureau initiate a comprehensive investigation * * into TransUnion LLC 's systematic failure to conduct proper dispute investigations, particularly regarding identity theft cases. This complaint demonstrates a clear pattern of FCRA violations that requires immediate regulatory intervention and enforcement action.

# # NATURE OF COMPLAINT - SYSTEMIC FCRA VIOLATIONS # # # Individual Case Details I have repeatedly disputed a fraudulent collection account placed by XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # : [ redacted ], Original Amount : {$8900.00} ) that appears on my credit report as a result of identity theft. Despite providing legally sufficient documentation as required under FCRA Section 605B, TransUnion has failed to conduct proper investigations.

# # # Comprehensive Documentation Provided I submitted the following complete identity theft documentation package to TransUnion : 1. * * Approved Identity Theft Police Report * * - Official law enforcement documentation 2. * * FTC Identity Theft Affidavit * * - Federal Trade Commission sworn statement 3. * * Government-issued Photo Identification * * 4. * * Social Security Card * * 5. * * Utility Bill * * - Meeting FCRA address verification requirements # # # TransUnion 's Systematic Failure Despite this comprehensive evidence of identity theft, TransUnion responded on XX/XX/year> ( File Number : XXXX ) with their standard inadequate response : " disputed item was verified as accurate. '' This response demonstrates * * no evidence of actual investigation * * and appears to be an automated response that violates multiple federal requirements. 

# # REQUEST FOR CFPB XXXX INTO TRANSUNION 'S PRACTICES * * I formally request that the CFPB launch an investigation into TransUnion 's dispute resolution practices * * for the following reasons : # # # XXXX. Pattern of Inadequate Investigations TransUnion has recently faced multiple lawsuits specifically for their failure to conduct proper due diligence in dispute investigations. Instead of meaningful investigation, they routinely return disputes as " verified '' without conducting the reasonable investigation required under FCRA Section 611.

# # # 2. Systematic FCRA Section 605B Violations TransUnion appears to have a corporate policy of ignoring identity theft documentation that meets all legal requirements under FCRA Section 605B. This systematic failure to block fraudulent information when provided with proper identity theft documentation violates federal law and harms countless consumers.

# # # 3. Automation Over Investigation Evidence suggests TransUnion uses automated systems to process disputes rather than conducting the " reasonable investigation '' required by law. This practice prioritizes cost savings over consumer protection and legal compliance.

# # # 4. Industry-Wide Impact TransUnion 's practices affect millions of consumers nationwide. Their systematic failure to properly investigate disputes, particularly identity theft cases, creates a pattern of harm that requires regulatory intervention.

# # SPECIFIC VIOLATIONS REQUIRING CFPB INVESTIGATION * * I request the CFPB investigate TransUnion 's violations of : * * 1. * * FCRA Section 611 * * - Systematic failure to conduct reasonable investigations 2. * * FCRA Section 605B * * - Refusal to block fraudulent information despite proper identity theft documentation 3. * * FCRA Section 623 * * - Failure to investigate disputed information with data furnishers 4. * * Regulation V ( 12 CFR Part 680 ) * * - Identity Theft Red Flag Rules violations 5. * * Consumer Financial Protection Act * * - Unfair, deceptive, and abusive practices # # EVIDENCE OF SYSTEMIC PROBLEMS # # # Recent Legal Actions TransUnion has faced significant legal challenges for their inadequate dispute resolution practices, indicating this is not an isolated incident but a systematic corporate practice that prioritizes efficiency over legal compliance and consumer rights.

# # # Pattern Recognition My case appears to follow TransUnion 's standard operating procedure : - Receive comprehensive identity theft documentation - Conduct no meaningful investigation - Return automated " verified as accurate '' response - Ignore legal requirements under FCRA Section 605B # # REQUESTED CFPB ACTIONS * * I respectfully request that the CFPB : * * # # # Immediate Actions 1. * * Launch a comprehensive investigation * * into TransUnion 's dispute resolution practices 2. * * Issue immediate enforcement action * * requiring TransUnion to properly investigate my identity theft dispute 3. * * Order immediate removal * * of the fraudulent account from my credit report 4. * * Mandate compliance * * with FCRA Section 605B requirements # # # Systemic Reforms 1. * * Conduct industry-wide examination * * of TransUnion 's dispute resolution procedures 2. * * Require procedural changes * * to ensure actual investigations occur 3. * * Implement oversight mechanisms * * to monitor TransUnion 's compliance 4. * * Assess monetary penalties * * for systematic FCRA violations # # # Consumer Protection Measures 1. * * Establish clear standards * * for identity theft dispute investigations 2. * * Require transparency * * in dispute resolution processes 3. * * Mandate consumer notification * * when investigations are inadequate 4. * * Create accountability measures * * for credit reporting agencies # # LEGAL AUTHORITY FOR CFPB INVESTIGATION This investigation request is made under : - * * Consumer Financial Protection Act * * ( 12 U.S.C. 5481 et seq. ) - * * Fair Credit Reporting Act * * ( 15 U.S.C. 1681 et seq. ) - * * CFPB 's supervisory authority * * over credit reporting agencies- * * Regulation V * * ( 12 CFR Part 680 ) # # URGENCY OF REGULATORY ACTION TransUnion 's systematic failure to comply with federal consumer protection laws creates ongoing harm to consumers nationwide. Their pattern of inadequate investigations, particularly in identity theft cases, demonstrates a corporate culture that prioritizes cost reduction over legal compliance and consumer protection. 

* * The CFPB 's intervention is essential * * to : - Stop ongoing violations of consumer protection laws- Protect consumers from fraudulent credit reporting - Ensure credit reporting agencies fulfill their legal obligations - Maintain the integrity of the consumer credit reporting system # # INDIVIDUAL RELIEF REQUESTED While requesting broader CFPB investigation, I also seek immediate relief : XXXX. * * Permanent deletion * * of the fraudulent XXXX XXXX XXXX XXXX account pursuant to 31 U.S.C. 5118 2. * * Updated credit report * * reflecting removal of fraudulent information 3. * * Monetary damages * * for TransUnion 's negligent handling of my identity theft dispute 4. * * Assurance of compliance * * with future identity theft disputes # # CONCLUSION TransUnion 's systematic failure to conduct proper dispute investigations, despite receiving legally sufficient identity theft documentation, represents a clear pattern of FCRA violations that requires immediate CFPB investigation and enforcement action. Their corporate practice of returning automated " verified '' responses without meaningful investigation violates federal law and harms consumers nationwide. 

* * I urge the CFPB to investigate TransUnion 's practices immediately * * and take appropriate enforcement action to ensure compliance with federal consumer protection laws. The integrity of the consumer credit reporting system depends on regulatory agencies holding credit reporting companies accountable for their legal obligations. 

-- - * * Signature : * * XXXX XXXX XXXX * * Date : * * XX/XX/year> * * REQUEST FOR EXPEDITED REVIEW : * * Given the systematic nature of these violations and their impact on consumers nationwide, I respectfully request expedited CFPB review and investigation of this matter. 

* * Attachments : * * - Copy of TransUnion Investigation Results ( File # XXXX ) - Copy of Identity Theft Police Report - Copy of FTC Identity Theft Affidavit - Supporting identification documents- Documentation of previous dispute attempts

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