Consumer complaint received 2025-12-21 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: TN

Complaint narrative:
Company : TransUnion LLC Issue : Credit reporting / XXXX XXXX survivor protections TransUnion File # : XXXX Complaint : I am a survivor of XXXX XXXX and have submitted multiple complete requests to TransUnion under FCRA Section 605C ( 15 U.S.C. 1681c-3 ) and 12 C.F.R. 1022.142 to block trafficking-related adverse information from my consumer report.

My submissions included : A Victim Determination Document issued by a XXXX  task force authorized by a governmental entity to make such a
determination, specifically a law-enforcement XXXX XXXX  unit operating within a local governmental agency, as contemplated by 12 C.F.R. 1022.142 ( b ) ( 6 ) A completed FCRA 605C self-attestation A specific list of adverse items to be blocked Valid proof of identity, including a government-issued drivers license and a utility bill Despite receipt of these materials, TransUnion has repeatedly issued form notices asserting that no acceptable XXXX victim determination, proof of identity, or list of adverse items was received. i submitted my FCRA 605C Block These assertions are incorrect. I submitted the FCRA 605C to Block Adverse information twice, once in XX/XX/year> & XX/XX/year>, and have made several calls to TransUnion without any resolution. 

On Friday, XX/XX/year>, I spoke by telephone with a TransUnion supervisor named XXXX, who stated that : My online TransUnion account was disabled for 30 days for identity proofing. She did not see my most recent electronic submission dated XX/XX/year>. I was instructed to mail documents to TransUnion There is no requirement under FCRA 605C or 12 C.F.R. 1022.142 that a survivor of XXXX XXXX must submit documentation by mail when valid documentation has already been provided electronically. Requiring mail submission after electronic receipt imposes an unreasonable procedural barrier and delays statutorily mandated relief.

Further, disabling my online account and denying access to my consumer disclosure after valid identity documentation was submitted interferes with my rights under FCRA 609 ( a ).

I was instructed to mail documents to TransUnion There is no requirement under FCRA 605C or 12 C.F.R. 1022.142 that a survivor of XXXX XXXX must submit documentation by mail when valid documentation has already been provided electronically. Requiring mail submission after electronic receipt imposes an unreasonable procedural barrier and delays statutorily mandated relief.

Further, disabling my online account and denying access to my consumer disclosure after valid identity documentation was submitted interferes with my rights under FCRA 609 ( a ).

____________________________________________________________________ Here is TransUnion 2 emails sent. Notice XXXX Fri, XX/XX/XXXX, XXXX to me TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Second Notice Dear XXXX XXXX XXXX,, We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you.

Re : XXXX XXXX- Need more information - Reason # 2 You recently contacted TransUnion to identify yourself as a victim of XXXX. We have reviewed the request and any documents you provided and, unfortunately, we need additional documentation and/or information to complete your request, due to one or more of the following reasons : Reason # 1 : We did not receive an acceptable XXXX  Victim Determination Document. Please refer to the list below for a qualifying document.

Reason # 2 : We did not receive an acceptable Proof of Identity Document. Please refer to the list below for a qualifying document. If you do not have a qualifying Proof of Identity Document available, you may contact TransUnion directly at XXXX and we will attempt to verify your identity over the phone.

Reason # 3 : We did not receive a list that identifies which adverse item ( s ) of information on your credit report should be blocked as a result of XXXX. XXXX  Victim Determination Documents ( Provide 1 ) Examples include : Certification letters issued by the Department of Health and Human Services ( HHS ) Child eligibility letters ( issued by HHS ) Continued presence ( issued by HHS ) XXXX XXXX ( issued by U.S. Citizenship and Immigration Services ) A bona fide XXXX XXXX application XXXX XXXX with a Form I-918 Supplemental B indicating the victim experienced XXXX XXXX Restitution orders Crime victim compensation Criminal record relief court orders Civil suit decisions related to XXXX XXXX Documents issued by state government agencies ( such as Notice of Confirmation as a XXXX XXXX Victim in NY State issued by the NY State 's Office of Temporary and Disability Assistance ).

A letter from a non-governmental organization ( NGO ) or XXXX  task force authorized by a governmental entity to make such a determination, consumer advocacy group or court representative Self-attestation signed by or with an accompanying document that includes a signature by a Federal, State or Tribal governmental entity, a non-governmental organization orXXXX XXXX task force authorized by a governmental entity to make such a determination, consumer advocacy group, or a court representative Proof of Identity Documents ( Provide 1 ) Examples include : Drivers license Government-issued ID Passport Utility bills Social Security card Birth certificate Once TransUnion receives the required documentation and/or information requested above, we will promptly take the necessary steps to block the XXXX-related adverse item ( s ) of information from your credit report. 
TransUnion is here to help survivors of XXXX XXXX. 
Please visit www.transunion.com/XXXX for more information. Should you have any further questions, please contact us at : XXXX, MondayFriday XXXX XXXX XXXX XXXX Eastern Time, excluding holidays. 
XXXX XXXX XXXX XXXX XXXX XXXX Please have your file number ready XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Message -- -- -- -- -- -- -- - From : Notice [ XXXX ] Sent : XX/XX/year>, XXXX XXXX To : XXXX Subject : Your Recent Request to TransUnion TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX, We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : XXXX XXXX- Need more information - Reason # 2 You recently contacted TransUnion to identify yourself as a victim of XXXX. We have reviewed the request and any documents you provided and, unfortunately, we need additional documentation and/or information to complete your request, due to one or more of the following reasons : Reason # 1 : We did not receive an acceptable XXXX  Victim Determination Document. Please refer to the list below for a qualifying document.

Reason # 2 : We did not receive an acceptable Proof of Identity Document. Please refer to the list below for a qualifying document. If you do not have a qualifying Proof of Identity Document available, you may contact TransUnion directly at XXXX and we will attempt to verify your identity over the phone.

Reason # 3 : We did not receive a list that identifies which adverse item ( s ) of information on your credit report should be blocked as a result of XXXX.

XXXX  Victim Determination Documents ( Provide ) Examples include : Certification letters issued by the Department of Health and Human Services ( HHS ) Child eligibility letters ( issued by HHS ) Continued presence ( issued by HHS ) XXXX XXXX ( issued by U.S. Citizenship and Immigration Services ) A bona fide XXXX XXXX application XXXX XXXX with a Form I-918 Supplemental B indicating the victim experienced XXXX XXXX Restitution orders Crime victim compensation Criminal record relief court orders Civil suit decisions related to XXXX XXXX Documents issued by state government agencies ( such as Notice of Confirmation as a XXXX XXXX Victim in NY State issued by the NY State 's Office of Temporary and Disability Assistance ).

A letter from a non-governmental organization ( NGO ) or XXXX task force authorized by a governmental entity to make such a determination, consumer advocacy group or court representative Self-attestation signed by or with an accompanying document that includes a signature by a Federal, State or Tribal governmental entity, a non-governmental organization or XXXX XXXX task force authorized by a governmental entity to make such a determination, consumer advocacy group, or a court representative Proof of Identity Documents ( Provide 1 ) Examples include : Drivers license Government-issued ID Passport Utility bills Social Security card Birth certificate Once TransUnion receives the required documentation and/or information requested above, we will promptly take the necessary steps to block the XXXX-related adverse item ( s ) of information from your credit report. 

TransUnion is here to help survivors of XXXX XXXX. Please visit www.transunion.com/XXXX for more information. Should you have any further questions, please contact us at : XXXX, MondayFriday XXXX XXXX XXXX XXXX  Eastern Time, excluding holidays. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have your file number ready XXXX thread : XXXX : : Notice XXXX Fri, XX/XX/XXXX, XXXX ( 2 days ago ) to me TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX,, We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you.

Re : XXXX XXXX - Request Closed - Reason # 2 You recently contacted TransUnion to identify yourself as a victim of XXXX. We contacted you for additional documentation and/or information, due to one or more of the reasons below, and we either did not receive a response from you, or your response did not include the required documentation and/or information. As a result, we have closed the pending request and any adverse item ( s ) of information included in your original request will not be blocked.

Reason # 1 : We did not receive an acceptable XXXX  Victim Determination Document. Please refer to the list below for a qualifying document.

Reason # 2 : We did not receive an acceptable Proof of Identity Document. Please refer to the list below for a qualifying document. If you do not have a qualifying Proof of Identity Document available, you may contact TransUnion directly at XXXX and we will attempt to verify your identity over the phone. 

Reason # 3 : We did not receive a list that identifies which adverse item ( s ) on your credit report should be blocked as a result of XXXX. 

If you wish to resubmit your request to block XXXX-related adverse items of information from your credit report, please send the required documents and information outlined above to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX  Victim Determination Documents ( Provide ) Examples include : Certification letters issued by the Department of Health and Human Services ( HHS ) Child eligibility letters ( issued by HHS ) Continued presence ( issued by HHS ) XXXX XXXX ( issued by U.S. Citizenship and Immigration Services ) A bone fide XXXX XXXX application XXXX XXXX with a Form I-918 Supplemental B indicating the victim experienced XXXX XXXX Restitution orders Crime victim compensation Criminal record relief court orders Civil suit decisions related to XXXX XXXX Documents issued by state government agencies ( such as Notice of Confirmation as a XXXX XXXX Victim in NY State issued by the NY State 's Office of Temporary and Disability Assistance ). 

A letter from a non-governmental organization ( NGO ) or XXXX task force authorized by a governmental entity to make such a determination, consumer advocacy group or court representative. 

Self-attestation signed by or with an accompanying document that includes a signature by a Federal, State or Tribal governmental entity, a non-governmental organization or human XXXX task force authorized by a governmental entity to make such a determination, consumer advocacy group, or a court representative Proof of Identity Documents ( Provide 1 ) Examples include : Drivers license Government-issued ID Passport Utility bills Social Security card Birth certificate If you wish to submit a complaint to the Consumer Financial Protection Bureau

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