Consumer complaint received 2024-12-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX To : Consumer Financial Protection Bureau ( CFPB ) TransUnion LLC Subject : Formal Demand for Compliance with FCRA Section 605B Request for Immediate Blocking of Unauthorized Accounts and Information To Whom It May Concern, I am submitting this follow-up complaint to demand immediate action to address the unauthorized accounts and personal information reported on my credit file. I previously filed a complaint with the CFPB on XX/XX/XXXX, accompanied by supporting documentation, including my FTC Identity Theft Report, identification, and proof of address. Despite complying with federal requirements, the credit reporting agencies have failed to block the disputed information within four business days, as mandated under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. The reporting agencies have alleged that my proof of address and identification were not valid or legible. This has unjustly delayed the statutory requirement to block the fraudulent and unauthorized information within four business days.

To rectify this issue, I am resubmitting a clear, legible image of my government-issued drivers license and my W-2 formboth acceptable forms of proof of address under federal law and credit bureau guidelines. 
Violation of FCRA and Legal Mandates The FCRA is unequivocal in its requirements regarding identity theft claims : 1. 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) : Credit reporting agencies must block disputed information within four ( 4 ) business days after receiving appropriate documentation, including proof of identity, a police report or FTC Identity Theft Report, and the consumers dispute. 
Failure to comply with this requirement constitutes a direct violation of federal law, subjecting the credit reporting agencies to severe legal and regulatory penalties. By refusing to block the disputed accounts and prolonging the dispute process, the credit bureaus are engaging in willful noncompliance under 15 U.S.C. 1681n, which imposes liability for actual damages, statutory damages, and punitive damages for willful violations.

2. 15 U.S.C. 1681e ( b ) Accuracy of Reporting : Credit bureaus are required to maintain reasonable procedures to assure maximum possible accuracy in reporting. Continuing to report unauthorized information without blocking it within the statutory timeframe constitutes gross negligence and a breach of consumer rights.

3. FTC Enforcement and Penalties : Under Section 5 ( a ) of the FTC Act, failing to block unauthorized information or prolonging dispute resolution processes may be deemed an unfair and deceptive practice, warranting regulatory enforcement and penalties. 
Formal Demand for Action The following accounts, personal information, and inquiries must be immediately blocked, as per FCRA Section 605B : Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open with negative remarks Only Authorized Address : XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX Unauthorized Phone Numbers : Phone numbers are also reporting erroneously and need to be removed. 
Severe Legal Implications of Noncompliance Failure to block the disputed information within four business days, as required by law, constitutes a breach of federal consumer protection statutes. The credit reporting agencies and any involved companies will be held accountable under the following statutes : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Emphasized that credit reporting agencies must ensure accuracy and act promptly to correct inaccuracies. 
XXXX. FTC v. XXXX XXXX ( XXXX ) : Established the obligation of credit bureaus to comply with consumer protection laws and avoid harm to consumers through unfair practices. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX that reporting agencies can not furnish consumer reports without explicit permissible purpose or consumer consent. 
Immediate Demands 1. Immediate Blocking of All Disputed Information : The listed accounts, names, addresses, and phone numbers must be blocked from my credit report within four ( 4 ) business days of receipt of this letter, as mandated by FCRA Section 605B. 
2. Written Confirmation of Compliance : The credit bureaus must provide written confirmation of the blocked information, ensuring it is no longer accessible to creditors or other third parties.

3. Assurance of Adherence to Federal Law : Credit reporting agencies must implement internal compliance measures to ensure timely responses to identity theft claims, preventing future violations of FCRA Section 605B.

Notice of Escalation Should the credit bureaus fail to comply with these demands, I will escalate this matter to the Federal Trade Commission ( FTC ) and pursue all available legal remedies, including claims for damages under 15 U.S.C. 1681n for willful noncompliance. Your failure to act promptly and ethically in resolving this matter continues to harm my financial reputation and well-being. As a victim of fraud and unauthorized reporting, I demand justice and immediate corrective action. 
the actions and severe violations committed by XXXX, the supervisor at TransUnion, who grossly mishandled my consumer dispute and further disregarded my constitutional rights. XXXX has been directly complicit in failing to comply with federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission ( FTC ) regulations, and his actions have resulted in a violation of my due process rights under the U.S. Constitution.

1. Violation of My Right to Due Process and Equal Protection Under the Fifth and Fourteenth Amendments, I am entitled to due process of law, including a fair and impartial review of my case. XXXX  conduct during the call not only deprived me of this process but also unlawfully blocked my right to an informed decision regarding my consumer report. Denying me a clear understanding of the reasoning behind TransUnions rejection of my FTC report was a denial of my constitutional right to fair treatment and the protection of my property rightsmy financial reputation and credit. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX, in his capacity as a supervisor, failed to uphold his duty under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which mandates that credit reporting agencies block disputed information resulting from identity theft or fraud within four business days. Instead, he obstructed my efforts to resolve my credit report dispute by providing no clear explanation for why my FTC report was not processed and blocked in accordance with the law. This inaction is a willful disregard of my legal rights, and TransUnions failure to comply with these statutory obligations is a direct violation of the FCRA. 
XXXX. Fraudulent Intent and Misrepresentation XXXX refusal to engage in a meaningful conversation and instead directing me to research solutions on my own is not only an insult but a clear misrepresentation of TransUnions obligations under the FTC Act and 15 U.S.C. 1681b. His behavior in avoiding his responsibility to properly address my concerns constitutes an act of fraud, as it perpetuates false and misleading information about my financial standing by continuing to report unverifiable and unauthorized information on my credit report. 
4. Breach of Fiduciary Duty and Bad Faith By failing to follow federal guidelines and providing me with no clarity, XXXX acted in bad faith. TransUnion, as a credit reporting agency, has a fiduciary responsibility to act in the best interest of the consumer. XXXX actions breached that duty, and his failure to respect my rights and process my dispute according to the law further constitutes gross negligence and deliberate misconduct on TransUnions part. 
5. Violation of Constitutional Rights In addition to the violations outlined above, XXXX actions also infringe upon my First Amendment rights. By refusing to properly address my dispute, he not only blocked my access to remedies but also denied me the opportunity to fully exercise my rights under the FCRA. XXXX effectively prevented me from rectifying inaccurate and unauthorized information that directly harmed my reputation and financial well-being. 
6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) The actions of XXXX and TransUnion reflect systemic issues within the organization. By knowingly allowing inaccurate and unauthorized information to persist on my credit report for an extended period, TransUnion may be engaging in unlawful practices under 18 U.S.C. 1962 ( c ), as such actions involve the continuous manipulation of consumer data for profit. This constitutes a violation of the RICO Act, exposing TransUnion to civil penalties and criminal charges. 
7. Penalties and Consequences for Noncompliance Failure to act upon this formal complaint will result in the following severe consequences : FCRA Violations : Statutory damages up to {$1000.00} per violation, along with punitive damages, attorney fees, and actual damages for harm caused. 
FTC Enforcement : Violations of the FTC Act could subject TransUnion to civil penalties, fines, and injunctions. RICO Violations : If TransUnion is found guilty of operating as part of an illegal enterprise, they could be subjected to treble damages ( three times the amount of damages suffered ), criminal penalties of up to 20 years in prison, and substantial financial fines. 
Constitutional Violations : The breach of constitutional rights may also expose TransUnion and XXXX to damages under civil rights laws for depriving me of my due process and equal protection rights. 
Conclusion TransUnions actions, including the behavior of XXXX, When I spoke to him XX/XX/XXXX around the time of XXXX XXXX represent gross violations of federal law, consumer rights, and constitutional protections. I demand immediate action to rectify these issues, which include blocking all unauthorized and inaccurate information on my credit report, providing written confirmation of compliance, and ensuring that such violations do not continue. If these demands are not met within four business days, I will escalate this matter by filing formal complaints with the Federal Trade Commission, Consumer Financial Protection Bureau ( CFPB ), and seeking legal action for damages. 
TransUnion must take immediate corrective action, or I will pursue all available legal remedies and further regulatory action to ensure that my rights as a consumer are upheld. 
the egregious and unlawful behavior exhibited by XXXX, the supervisor at TransUnion, whose actions have not only furthered my distress but have also violated my constitutional rights and consumer protections under federal law. XXXX behavior and his blatant disregard for consumer rights represent a disturbing failure on TransUnions part to uphold its obligations to consumers, demonstrating a lack of respect for both federal law and basic decency. 
XXXX. Blatant Disregard for Consumer Rights and Federal Law XXXX refusal to address my concerns or provide proper clarification about my FTC Identity Theft Report and the accompanying documents is not just a failure of customer serviceit is a gross violation of 15 U.S.C. 1681c-2 ( FCRA Section 605B ). This provision mandates that credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving a valid dispute. XXXX persistent obstruction and refusal to comply with these federal requirements go beyond mere incompetencethey reflect an intentional pattern of negligence aimed at disregarding consumer rights for profit. 
2. Gross Misrepresentation and Misleading Consumer Practices Throughout our interaction, XXXX consistently misrepresented my case, providing no real solutions and instead attempting to deflect responsibility by making dismissive statements. He repeatedly told me to research the issue myself and did not engage in any meaningful dialogue about the legitimate documents I had already submitted. This behavior not only undermines my consumer rights but also demonstrates an alarming level of arrogance, as XXXX took no responsibility for his departments failure to comply with 15 U.S.C. 1681b ( FCRA Section 604A ). His actions misrepresented my financial situation and subjected me to unnecessary harm, continuing to report unauthorized information on my credit report without valid justification. 
3. Violation of Constitutional Rights XXXX  actions also violate my First Amendment rights by hindering my ability to challenge and dispute the false and harmful information on my credit report. By actively obstructing my attempts to rectify these issues and denying me the legal right to resolve the dispute through the proper channels, XXXX actions represent an infringement on my right to due process and access to legal remedies. Denying a consumer the ability to correct unauthorized information on their credit report is not just an administrative failureits an attack on their constitutional rights. 
4. Emotional Distress and Financial Harm XXXX behavior has caused me substantial emotional distress and severe financial harm. He knowingly failed to help address the inaccuracies that have been defaming my credit report, leaving me with a tarnished reputation that affects my ability to secure loans, housing, and even employment. His refusal to acknowledge and rectify the harm done by his inaction is a clear demonstration of how TransUnion has failed to protect consumers like me. 
5. The Need for Immediate Accountability XXXX actions have cost me time, money, and peace of mind. By acting in bad faith and obstructing my access to a fair and just dispute process, he has compounded my victimization. He has intentionally and willfully defied federal consumer protections and engaged in practices that can only be described as predatory and malicious. It is clear that XXXX has shown gross negligence and intentional misconduct, and such behavior must not be tolerated by TransUnion or any other organization tasked with protecting consumer rights. 
XXXX. Severe Consequences for XXXX and TransUnion In light of XXXX repeated failures, it is my firm belief that his actions warrant serious consequences. His conduct not only breaches the FCRA and FTC regulations but also falls under 18 U.S.C. 894 ( extortionate credit practices ). By willfully denying my rights, XXXX is enabling illegal practices and prolonging a fraudulent situation for financial gain. This behavior is not only unethicalit is illegal. 
Should TransUnion fail to take appropriate action, I will pursue every available legal remedy, including escalating this matter to the FTC, the Consumer Financial Protection Bureau ( CFPB ), and seeking civil penalties under RICO, along with filing for punitive damages for the distress caused.

7. Final Demands I demand that : Immediate action be taken to block the fraudulent information on my credit report within four ( 4 ) business days as required by FCRA Section 605B. 
A full internal investigation into XXXX conduct be initiated, with a review of whether his actions are consistent with the expectations of professional conduct and compliance with federal law. 
The accounts and information on my credit report be corrected and permanently removed. 
If this issue is not resolved promptly and to my satisfaction, I will have no choice but to escalate this matter further and take all necessary legal actions against TransUnion and XXXX personally for their illegal and unethical conduct.

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