Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
This is in reference to a prior complaint in which I have attached. 
TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX, PA 19016 Subject : Unauthorized Lifting of Security Freeze & Failure to Provide Requested Documentation Dear TransUnion Disputes Department, I am following up on my recent dispute regarding the charge-off accounts inaccurately reported on my credit file. In your response, you stated that the accounts in question were " Verified as Reported '' without providing the legally required documentation. Additionally, you referenced Federal Freeze Lifted, which is alarming, as I had an active security freeze on my account that I did not request to be removed. 

Outstanding Issues That XXXX XXXX Attention XXXX. XXXX XXXX XXXX Was It Lifted? 
I previously placed a security freeze on my credit report as a protective measure against fraud and unauthorized activity. Your response states that a XXXX XXXX was lifted, yet : I did not request or authorize the removal of this freeze. 

I received no prior notification from TransUnion regarding the removal. 

I was given no explanation for why this action was taken. 

I demand an immediate written response explaining : What Federal Freeze Lifted means in this context.

Who authorized the removal of my security freeze.

When and how this removal was processed.

The steps required to reinstate my security freeze immediately.

If this action was taken in error, it needs to be corrected immediately, as unauthorized changes to my credit file compromise my security.

2. Failure to Provide Legally Required Documentation on Charge-Offs Your response to my dispute failed to provide the specific documentation I requested under 611 of the Fair Credit Reporting Act ( FCRA ) : Proof of Charge-Off Dates ( Exact Dates ) A record from the original creditor confirming the precise date of charge-off.

Source and Verification Documentation showing which entity provided this charge-off information to TransUnion and records of how it was verified.

Transmission Records A timeline showing when and how TransUnion received and processed the charge-off data.

Merely stating that the accounts were " Verified as Reported '' without furnishing the actual records is insufficient under 611 ( a ) ( 5 ) of the FCRA. If you can not provide verifiable proof from the original creditors, you are legally required to delete the inaccurate information from my credit file.

Final Demand & Next Steps I am requesting : Immediate reinstatement of my security freeze ( if it was lifted without authorization ).

A written explanation of why my security freeze was removed.

The full documentation requested regarding the charge-off accounts within 10 business days.

Failure to comply will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) for failure to uphold FCRA requirements.

A complaint to the Federal Trade Commission ( FTC ) regarding unauthorized actions on my credit file, particularly the lifting of my security freeze.

Potential legal action under 611 and 623 of the FCRA if my requests are not addressed. 

This is your final opportunity to resolve these issues before escalation. Please respond in writing to the CFPB complaint and not by mail!

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