Consumer complaint received 2024-12-18 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: TN

Complaint narrative:
I am filing this complaint due to TransUnion 's failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding the timely removal of fraudulent items from my credit report. Additionally, I experienced unprofessional and dismissive treatment from TransUnion employees during my attempts to resolve the matter. 

# # # Summary of Events : 1. XXXX XXXX XXXX : ** I mailed TransUnion a detailed fraud report requesting the removal of fraudulent items from my credit report as required by FCRA 605B. 

2. XXXXXXXX XXXX XXXX  ( XXXX XXXX  ) : ** TransUnion received my fraud report. Per the law, the fraudulent items should have been removed within four business days of receipt. 

XXXX. XXXX XXXX  : ** TransUnion mailed me a response stating that my current address did not match the address on my drivers license. They requested documentation for address verification, including one item from two different categories. 

XXXX. XXXX XXXX, XXXX : ** I mailed TransUnion a copy of my Social Security card, my most recent utility bill, and a recent pay stub to verify my address. 

XXXX. XXXX XXXX, XXXX  ( XXXX XXXX  ) : ** TransUnion received my documentation. 

6. **Interacting with TransUnion Representatives : ** - I spoke with XXXX XXXX and XXXX XXXX, both of whom were extremely rude and unhelpful. They failed to provide clear or accurate information about the status of my fraud report or the removal process. 

# # # Issues : - **Violation of FCRA 605B : ** TransUnion has not removed the fraudulent items within the legally mandated timeframe, despite receiving all required documentation. 
- **Unprofessional Conduct : ** The dismissive and rude behavior exhibited by their representatives, XXXX XXXX and XXXX XXXX XXXX exacerbated an already stressful situation. 
- **Lack of Transparency : ** TransUnion failed to provide consistent or clear updates on the status of my request. 

# # # Impact : The delays in removing fraudulent items from my credit report have caused unnecessary stress, potential financial harm, and disruption to my financial well-being. The rude and unhelpful behavior of TransUnion employees further added to my frustration. 

# # # Desired Resolution : 1. **Immediate Action : ** - Remove all fraudulent items from my credit report as required by FCRA 605B. 
- Provide written confirmation that the items have been removed. 

2. **Corrective Measures : ** - Investigate and address the unprofessional behavior of employees XXXX XXXX and XXXX XXXX XXXX 
- Ensure all employees are trained on handling fraud-related cases with professionalism and respect. 

3. **Transparency : ** - Commit to providing timely and clear communication to consumers regarding the status of their fraud disputes in the future. 

I have attached all relevant tracking information, correspondence, and documentation to support my complaint.

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