Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for their repeated failure to properly investigate and resolve a dispute regarding fraudulent information on my credit report, despite my submission of all required documentation, including an official FTC Identity Theft Report. 


On multiple occasions, I have submitted an official FTC Identity Theft Report ( Report Number : XXXX ), which I obtained directly from the FTCs identity theft website. This report is valid and meets all the necessary requirements under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes, specifically : I would also like to know this FTC identity theft report that is being in question, the same FTC report that was used to remove the fraudulent inquiries that were removed on XX/XX/year> that that appeared upon the credit report these inquiries were 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 **FCRA Section 605B ( 15 U.S. Code 1681c-2 ) ** : This section mandates that credit reporting agencies must block fraudulent information when provided with a valid identity theft report. TransUnion has failed to comply with this requirement by repeatedly claiming that my documentation is invalid, despite its authenticity.

- **FCRA Section 611 ( 15 U.S. Code 1681i ) ** : This section outlines the requirements for reinvestigation of disputed information. Despite the obligation to conduct a reasonable reinvestigation, TransUnion has continued to send emails falsely stating that my documentation is invalid, effectively delaying the resolution of the fraud on my account.

- **FCRA Section 623 ( 15 U.S. Code 1681s-2 ) ** : This section requires furnishers of information to conduct a reasonable investigation of disputes. TransUnion 's failure to acknowledge and act upon the valid documentation I provided violates this provision. 

In addition to submitting my FTC Identity Theft Report, I have opened complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, the California State Attorney Generals office, and the Department of Financial Protection and Innovation ( DFPI ). These agencies have all been provided with copies of the documentation, which has been confirmed as valid by several TransUnion representatives.

Despite this, TransUnion continues to send emails stating that my documentation is not valid, delaying the resolution of the fraudulent accounts on my credit report. On XX/XX/year>, during a phone call with TransUnion representatives, I was informed that the documentation had been received and that the fraudulent accounts were being processed for removal. I have several recorded conversations confirming this information. 


This ongoing issue has caused significant harm to my credit profile and financial well-being. The repeated delays and false statements by TransUnion have violated my consumer rights under the FCRA and have caused undue stress and hardship. 

I am requesting immediate intervention from the CFPB to ensure that TransUnion complies with all relevant FCRA guidelines, acknowledges the validity of the documentation I have provided, and resolves the fraudulent information on my credit report without further delay. If TransUnion fails to comply, I will pursue further legal action for all damages incurred. 

Attached are the emails received from Trans Union along with my FTC identity, theft report, identification, dispute letter and emails from Trans Union with my response email and documents that were submitted several times

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