Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
TransUnion Denied Fraud Block Request FCRA 605B Violation and Use of Unverified Third-Party Data I submitted a fraud block request to TransUnion on XX/XX/XXXX in accordance with FCRA 605B to block inaccurate and fraudulent information from my credit report. I provided all required documentation to substantiate my identity theft claim, including : XXXX. A valid Identity Theft Report from the Federal Trade Commission ( FTC ). 
XXXX. Copies of my government-issued ID as proof of address. 

Despite meeting these requirements, TransUnion denied my fraud block request, citing irrelevant reasons such as payment history, dispute history, and account opening dates. They also alleged that my request may have been a misrepresentation of material fact, without providing any evidence to support this claim. 

Furthermore, TransUnion is relying on inaccurate and unverified third-party data, as evidenced by a letter I received from the United States Bankruptcy XXXX XXXX The letter, dated XX/XX/XXXX, explicitly states : The XXXX XXXX does not provide information to credit reporting agencies. Credit reporting agencies access the Courts data by visiting the office and reviewing records or by logging into the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX system with an approved login and password. Further, the XXXX XXXX is not responsible for the use or misuse of any information so gathered by third parties, such as credit reporting agencies. 

This letter confirms that TransUnion did not verify the bankruptcy information with the original source ( the XXXX XXXX ) and instead relied on third-party data furnishers. These third-party sources are not legally obligated to provide accurate information, unlike credit reporting agencies, which are required by law to maintain complete and accurate records. 

The fraudulent items I requested to block that TransUnion declined include : XXXX XXXX - Account XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX - case number XXXX. 

Why XXXX Actions Violate the FCRA XXXX. Failure to Comply with FCRA 605B : TransUnion is required to block fraudulent information within four business days of receiving proper documentation, regardless of payment or dispute history, account opening dates, or unsubstantiated allegations of misrepresentation. Their denial violates this mandate. 
XXXX. Use of Unverified and Inaccurate Data : XXXX reliance on third-party data furnishers, rather than verifying information with the United States Bankruptcy XXXX XXXX is a violation of their legal duty to ensure the accuracy of consumer credit reports under FCRA 607 ( b ). 
XXXX. Lack of Transparency and Accountability : TransUnion failed to provide specific evidence to support its denial of my request or clarify how my documentation was allegedly deficient.

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