Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I am a victim of identity theft. In XX/XX/XXXX, after reviewing my consumer report, I discovered several accounts that were unfamiliar to me and not authorized by me. Approximately six months later, on XX/XX/XXXX, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ) as directed by the consumer reporting agencies. Despite taking these steps, I am still dealing with this issue as of today. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Recently, Transunion reinserted an account with XXXX XXXX that had previously been removed a month ago. By doing so, they violated re-insertion laws under the FCRA. Specifically, they failed to notify me within five business days of reinserting the account, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and neglected to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ). 
Furthermore, Transunion has violated the following consumer laws : ( 1 ) Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without verifying a permissible purpose. 
( 2 ) Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Transunion failed to block the fraudulent account information, despite being provided with sufficient documentation. 
( 3 ) Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : The willful failure to comply with FCRA provisions has subjected them to civil liability. 
( 4 ) Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Negligent actions in handling my case further indicate noncompliance with the FCRA. 
( 5 ) Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinsertion of inaccurate information violates the obligation to maintain the highest level of accuracy. 
Transunions actions have caused significant harm to my creditworthiness and violated my rights as a consumer under federal law. I expect immediate corrective action to rectify these violations.

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