Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
Subject : Response to Fraud Block Request Additional Information Provided for file number XXXX To Whom It May Concern, I am writing in response to your request for additional information regarding my fraud block request ( Reference : XXXX. I recently submitted a 75-page document containing my government-issued ID, Social Security card, identity theft report, and supporting documents related to the fraudulent activity on my credit report. I also called TransUnion 's fraud department on XXXX XXXX at XXXX and spoke with a representative who confirmed receipt of my submission on XX/XX/XXXX. Confirmation number for the call XXXX Despite this, I received a letter stating that my fraud block request could not be processed due to missing information. Below, I will address each of the concerns listed in your response and provide the necessary details. 

Response to TransUnion 's Request for Additional Information Reason 1 : " Your request is missing essential personal identifying information '' My submission already included a clear copy of my government-issued ID and Social Security card for verification. 
I am resubmitting this information for your reference. 
Additionally, I provided my full name, current address, date of birth, and Social Security number. 
Reason 2 : " Account-specific information was not included '' The fraudulent account in question is XXXX XXXX XXXX XXXX Account Number : XXXX ). 
Attached is a billing statement from XXXX confirming an address that does not belong to me. 
When I contacted XXXX, they were unable to verify this account using my phone number or the last four digits of my Social Security Number, further proving that this account is fraudulent. 
This fraudulent account was opened in XX/XX/XXXX, which is when the identity theft occurred. 
Reason 3 : " The description of the identity theft was too vague '' The fraud occurred in XX/XX/XXXX, when an unknown individual used my personal information to open the XXXX XXXX XXXX account. 
I have never had possession of the associated vehicle, do not have the keys, and do not know its whereabouts. 
When I recently pulled my XXXX credit report, I noticed a contradictionit lists XXXX  missed payments in one section and XXXX missed payments in another, proving that no proper investigation was conducted. 
I have attached my FTC Identity Theft Report as supporting evidence and have included it in my CFPB complaint. 
Request for Hard Inquiry Removal Additionally, I am disputing multiple unauthorized hard inquiries that were made without my consent. These inquiries were the result of identity theft and should be removed immediately under 15 U.S.C. 1681b ( f ) ( FCRA Unauthorized Access ). 

The unauthorized hard inquiries on my TransUnion credit report are : XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquiries were not authorized by me, and since they were performed without my consent, they should be immediately removed as required under the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) TransUnion is in violation of multiple sections of the FCRA, including but not limited to : 15 U.S.C. 1681c-2 Obligation to Block Identity Theft-Related Information Under this provision, credit bureaus must block fraudulent accounts when an identity theft report is submitted. I have provided an FTC Identity Theft Report, yet TransUnion has failed to comply. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation My dispute has not been properly investigated, as my credit report contains contradicting information regarding missed payments.

15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report The hard inquiries listed above were unauthorized and should have been removed when I disputed them.

15 U.S.C. 1681e ( b ) Failure to Maintain Accuracy of Consumer Credit Files The fraudulent XXXX  account must be deleted, as it does not belong to me and was opened through identity theft.

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