Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, I am writing in response to your XX/XX/year>, letter regarding the XXXX XXXX XXXX account and your denial of my fraud block request. Your recent response raises several serious concerns about your compliance with the Fair Credit Reporting Act ( FCRA ) and the contradictory nature of your handling of my dispute. 

Contradictory Statements : Initially, you claimed that you had not received the necessary documents for my fraud block request. However, you now acknowledge receipt of my documentation and have declined the request, citing vague and unsupported reasons. This inconsistency indicates a failure to follow a consistent and transparent dispute process.

Failure to Provide Verification Documentation : You continue to report the account as verified and accurate, yet you have failed to provide the documentation used to verify the accounts accuracy. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to access all records used to verify the disputed account, including : The original signed agreement. 
Payment history and balance calculations. 
Correspondence or validation information provided by XXXX XXXX XXXX. 
Your failure to provide these documents violates FCRA Section 609 and undermines the credibility of your verification process.

Improper Denial of Fraud Block Request ( FCRA Section 605B ) : Section 605B requires that credit reporting agencies block fraudulent information within four business days of receiving proper documentation. I submitted the required documentation, including [ list any identity theft affidavit, police report, or supporting evidence you sent ]. Your denial does not meet the legal standard, as it fails to provide clear evidence refuting my claim of fraud.

Your reasoningsuch as the account reflecting prior payments or disputesdoes not negate the possibility of fraud and is irrelevant to the requirements of Section 605B.

Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ) : You are required to conduct a reasonable reinvestigation of disputed information and remove any unverifiable or inaccurate information. Relying on automated systems or failing to provide evidence of manual verification does not satisfy this requirement.

Demands for Immediate Action To resolve this matter, I demand that you : Block the Fraudulent Account : Comply with FCRA Section 605B by blocking the XXXX XXXX XXXX account on my credit report immediately. 
Provide Verification Documents : Submit all records used to verify the accuracy of the disputed account, including documentation from XXXX XXXX XXXX. 
Provide a Clear Explanation : Explain why the fraud block request was denied and what specific evidence was used to justify the continued reporting of this account. 
Correct Reporting or Remove the Account : If you can not verify the account with proper documentation, remove it from my credit file as required by FCRA Section 611 ( a ) ( 5 ).

Legal Notice If you fail to comply with these demands within 15 days, I will escalate this matter by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding your violations of the FCRA.

Consulting with a consumer protection attorney to pursue legal remedies under the FCRA, including : Statutory damages of up to {$1000.00} per violation.

Actual damages caused by inaccurate reporting.

Attorney fees and court costs. 
This is a formal notice that you are obligated to address these violations promptly. Any further delays or non-compliance will not be tolerated.

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