Consumer complaint received 2024-10-23 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:
Escalation of Unresolved FCRA Violations by Transunion - Third Notice I am filing this third complaint against XXXX for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial complaint # XXXX submitted on XX/XX/year> XXXX. Second complaint # XXXX submitted on XX/XX/year> Nature of Complaint : Transunion has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) 3. Failing to conduct the required reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) 4. Not providing the legally required description of their verification procedures under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 5. Maintaining disputed information without proper verification, in violation of FCRA 611 ( a ) ( 5 ) ( A ) Timeline of Non-Compliance : XX/XX/year> : Initial CFPB complaint filed ( Complaint # XXXX ) XXXX XXXX : Second CFPB complaint filed ( Complaint XXXX XXXX ) XX/XX/year> : No action taken by Transunion after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects XXXX to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Transunion to : 1. Immediately block all disputed items referenced in my previous complaints 2. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines 3. Remove all unverified items from my credit report 4. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : 1. Investigate Transunion 's pattern of non-compliance 2. Enforce the statutory deadlines and requirements under FCRA 3. Consider this repeated non-compliance when evaluating penalties 4. Ensure Transunion provides written confirmation of all actions taken within four days Previous Reference Numbers : CFPB Complaint XXXX XXXXXXXX CFPB Complaint XXXX XXXXXXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX FTC Identity Theft Report XXXX XXXXXXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.

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