Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion Consumer Relations, I am writing to express my deep dissatisfaction with the handling of my recent request for information and reporting of fraudulent activity to TransUnion. I believe that your organization has failed to fulfill its responsibilities, resulting in significant inconvenience and potential harm to my financial well-being. 

On XX/XX/2022 I became aware of fraudulent activity on my credit report and promptly contacted TransUnion to request information about the fraudulent accounts and to report the fraudulent activity. Despite my attempts to communicate with your organization, I have encountered numerous obstacles and a lack of cooperation throughout the process.

Specifically, I would like to highlight the following concerns : Lack of Information Provision : TransUnion has failed to provide me with the necessary information regarding the fraudulent accounts on my credit report. Despite multiple requests made via phone and written correspondence, I have not received any substantive response or the required documentation to further investigate and address the fraudulent activity.

Inadequate Reporting of Fraud : It is deeply concerning that despite being made aware of fraudulent activity, TransUnion has not taken the appropriate steps to report the fraud to the relevant authorities. As a consumer, I rely on credit reporting agencies like TransUnion to promptly and accurately report fraudulent accounts to safeguard my financial interests. The failure to do so not only exposes me to potential financial loss but also undermines the trust and confidence I place in your organization.

Delayed Resolution : The lack of urgency and efficiency in addressing this matter has only exacerbated the negative impact on my financial well-being. Time is of the essence when dealing with fraud, and the delay in resolving this issue has caused undue stress and anxiety, potentially allowing the fraudsters more time to cause further harm.

I understand that TransUnion has a responsibility to protect consumers ' interests by promptly investigating and resolving issues of fraud and inaccuracies on credit reports. Unfortunately, your organization 's actions, or lack thereof, have fallen short of these obligations, leaving me vulnerable to the consequences of fraudulent activity.

In light of these concerns, I request the following actions be taken immediately : Provide me with detailed information and documentation regarding the fraudulent accounts on my credit report.

Take swift action to report the fraudulent activity to the appropriate authorities, including but not limited to law enforcement agencies and other credit reporting agencies.

Conduct a thorough investigation into the circumstances surrounding the fraudulent activity, ensuring that all related accounts are identified, corrected, and removed from my credit report.

Provide me with written confirmation of the actions taken to resolve this matter and protect my credit standing.

Furthermore, I expect TransUnion to implement measures to prevent such incidents from occurring in the future, including strengthening the security of your systems and enhancing the responsiveness and efficiency of your customer service.

I trust that TransUnion will treat this matter with the urgency and seriousness it deserves. Failure to address these concerns promptly and adequately will leave me with no choice but to escalate the issue by filing complaints with relevant regulatory bodies and seeking legal recourse to protect my rights as a consumer.

I anticipate a prompt resolution to this matter and request your written response within 30 days of receiving this letter. Thank you for your immediate attention to this serious issue. 

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 non-monetary relief