Consumer complaint received 2024-09-07 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:
On XX/XX/2024, I received an improper and unsupported response from TransUnion regarding my fraud block request ( File Number : XXXX ). TransUnion incorrectly declined to block fraudulent inquiries by XXXX ( XX/XX/2024 ) and XXXX XXXX XXXX ( XX/XX/2024 ), falsely claiming that the Federal Trade Commission ( FTC ) Identity Theft Report I submitted was not an official, valid document. This decision violates both the federal Fair Credit Reporting Act ( FCRA ) and California state laws designed to protect consumers from identity theft and fraudulent activity. 

# # # **Violation of Federal Law ( FCRA, Section 605B ) : ** Under the FCRA ( 15 U.S. Code 1681c-2 ), TransUnion is required to block fraudulent information on a credit report when a valid Identity Theft Report is provided by the consumer. The FTC Identity Theft Report I submitted ( Report Number XXXX XXXX  ) was generated through the FTCs authorized online platform, www.identitytheft.gov, and fully complies with federal law. This document included my personal identifying information, the specific fraudulent accounts in question, and a certification that I was a victim of identity theft. There is no legal requirement to provide a separate law enforcement report when the FTC Identity Theft Report is provided.

Despite fulfilling all the requirements outlined by the FCRA, TransUnion refused to block the fraudulent inquiries. Their failure to comply with this legal obligation violates federal law and constitutes a violation of my consumer rights.

# # # **Violation of California State Laws : ** As a California resident, I am also protected by the California Identity Theft Act ( California Civil Code 1798.92 et seq. ), which provides additional protections for victims of identity theft. Under California law, credit reporting agencies are required to investigate and block fraudulent accounts promptly upon receiving proper documentation. The FTC Identity Theft Report qualifies as an official document under both federal and state law, yet TransUnion has refused to take the required action, further infringing upon my rights.

# # # **Details of the Fraudulent Inquiries : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 ) ** Both inquiries were made without my authorization and are the result of identity theft. I have provided all necessary documentation, yet TransUnions refusal to block these inquiries from my credit report continues to cause harm to my credit standing and financial opportunities. 

# # # **Actions Requested : ** I request the CFPBs assistance in compelling TransUnion to : 1. Immediately block the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX 
2. Comply with the FCRA, Section 605B, and XXXX Civil Code 1798.92.

3. Provide a detailed explanation of their investigation method, including copies of all communications between TransUnion, XXXX, XXXX XXXX XXXXXXXX, and any other relevant parties. 
4. Provide me with an updated credit report reflecting the removal of the fraudulent inquiries.

5. Prevent further violations of my consumer rights under both federal and state law.

# # # **Conclusion : ** TransUnions refusal to block the fraudulent items despite receiving valid documentation is a clear violation of both the FCRA and XXXX  state laws. I respectfully request that the CFPB investigate this matter and enforce compliance to protect my rights as a consumer and victim of identity theft. 

**Supporting Documentation : ** - FTC Identity Theft Report ( Report Number : XXXX ) - TransUnion Response ( XXXX : XX/XX/2024 )

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