Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
Subject : Complaint Regarding TransUnions Failure to Recognize Valid FTC Identity Theft Report and Denial of Fraud Block Details of Complaint : I am writing to file a complaint against TransUnion for failing to place a fraud block on my credit report as required by Section 605B of the Fair Credit Reporting Act ( FCRA ). I submitted a valid FTC Identity Theft Report with an FTC Reference Number ( XXXX ), along with supporting documentation, including a police report and an FTC Identity Theft Affidavit. Despite this, TransUnion has declined my request for a fraud block and the removal of accounts, citing invalidity of the documents, which is incorrect and baseless. 

Issues : XXXX. Violation of FCRA Requirements : Under Section 605B of the FCRA, TransUnion is required to block fraudulent information upon receipt of a valid identity theft report. The FTC Identity Theft Report I provided was generated through identitytheft.gov and includes an official reference number, making it legally valid. 

XXXX. Unacceptable Justifications : TransUnion falsely claimed that the submitted FTC Identity Theft Report and Affidavit were not valid. This is a misrepresentation, as all required information was properly submitted, including the detailed account numbers and fraudulent transactions. 

XXXX. Failure to Address Fraudulent Entries : Despite providing sufficient documentation, TransUnion failed to block fraudulent accounts, including : XXXX  XXXX : {$7900.00} ( Account # : XXXX ) XXXX XXXX : {$2800.00} ( Account # : XXXX ). XXXX XXXX XXXX XXXX  : {$1300.00} ( Account # : XXXX ). XXXX XXXX XXXX XXXX : {$1100.00} ( Account # : XXXX ). XXXX XXXX  : {$36000.00} ( Account # : XXXX ) XXXX. Failure to Investigate Properly : TransUnions refusal to act undermines consumer protection laws and enables the ongoing harm caused by identity theft. 

XXXX. Potential Violation of FTC Guidelines : TransUnions refusal to recognize a legitimate FTC Identity Theft Report contradicts federal guidelines and industry standards for addressing identity theft cases. 

Impact : As a result of TransUnions negligence : I have suffered continued credit damage due to unblocked fraudulent accounts. 
I have been unable to resolve identity theft-related issues effectively despite following proper procedures. 
TransUnion has caused undue stress and financial harm by failing to comply with federal law. 

Requested Resolution : I request that the CFPB investigate TransUnions failure to recognize valid identity theft documentation and enforce compliance with Section 605B of the FCRA. Specifically : XXXX. Immediate Fraud Block : Require TransUnion to block all fraudulent accounts, as documented in the FTC Identity Theft Report. 
2. Compliance Review : Conduct a thorough review of TransUnions policies for handling identity theft reports to ensure future compliance with the FCRA. 
3. Consumer Protection Measures : Impose penalties or sanctions to prevent future harm to consumers facing identity theft issues. 

Supporting Documents : FTC Identity Theft Report and Affidavit Police Report Documentation of fraudulent accounts and transactions Correspondence with TransUnion regarding denied fraud block request Contact Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Phone : XXXX Email : XXXX XXXX

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 non-monetary relief