Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
I am filing this complaint due to TransUnions willful non-compliance with the Fair Credit Reporting Act ( FCRA ) after receipt of a valid FTC Identity Theft Report identifying a Wayfair credit card account as fraudulent.

This submission is not a dispute under FCRA 611. I am not requesting validation, verification, or reinvestigation. I am requesting mandatory enforcement of FCRA 605B, which requires the permanent blocking and deletion of identity-theft-related information within four ( 4 ) business days of receipt of a valid identity theft report.

Identity Theft Documentation and Proof of Validity I am a documented victim of identity theft. I previously submitted to TransUnion a valid FTC Identity Theft Report, along with proof of identity and proof of address, identifying this Wayfair credit card account as fraudulent. 

That same identity theft documentation has already resulted in the blocking and deletion of the account by XXXX  and XXXX. TransUnion is now the only consumer reporting agency continuing to report this identity-theft-related tradeline. 

This establishes that my identity theft report was valid, complete, and sufficient, and that TransUnions continued reporting is not the result of missing documentation, confusion, or a pending investigation, but rather a failure to comply with federal law. 



Statutory Violations Despite receiving proper notice and documentation, TransUnion has failed to comply with its independent obligations under the FCRA, including : 1. Violation of FCRA 605B Failure to Block Identity-Theft-Related Information Once TransUnion received a valid FTC Identity Theft Report, it was required by law to permanently block and delete the account within four ( 4 ) business days. TransUnion failed to do so and continues to report the account.

2. Willful Non-Compliance After Notice TransUnion has been on notice of the identity theft and its statutory obligations. Continued reporting after notice constitutes willful non-compliance under FCRA 616.

3. Improper Treatment as a Dispute This matter is not a dispute under FCRA 611. Any attempt to verify, reinvestigate, or delay blocking is legally improper once a valid identity theft report has been submitted.

4. Continued Reporting of Materially Inaccurate Information The tradeline is being reported with internally contradictory and inaccurate information, including charged-off status while simultaneously reporting a balance, utilization, and payment history. Continued reporting of inaccurate information further violates XXXX duties under the FCRA. 



What I Am Requesting I am requesting permanent blocking and deletion of this account pursuant to FCRA 605B, not a dispute resolution or reinvestigation.

Specifically, I am requesting : 1. Immediate permanent blocking and deletion of the XXXX credit card tradeline by TransUnion 2. Written confirmation that the account has been blocked under FCRA 605B 3. Certification of non-reinsertion of this account under FCRA 611 ( a ) ( 5 ) ( B ) 4. Correction of all inaccurate data previously reported in connection with this account Regulatory Notice I have also submitted this matter, along with supporting documentation, to my State Attorney Generals Office due to TransUnions continued reporting of identity-theft-related information after notice and failure to comply with FCRA 605B.

Closing All statutory requirements for an identity theft block have been met. TransUnions continued reporting of this account after notice constitutes willful non-compliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to enforce compliance and ensure permanent blocking and deletion of this identity-theft-related tradeline.

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