Consumer complaint received 2024-07-07 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: NC

Complaint narrative:
I mailed an Identity Theft letter to TransUnion on XX/XX/2024 via certified mail. The USPS tracking number is XXXX. USPS shows a delivery date of XX/XX/2024 at XXXXXXXX XXXX In the letter was an Identity Theft Report, My Social Security Number and driver 's license, Copy of my Credit Report and Fair Credit Reporting Act Section 6

05B and a letter with a list of the fraudulent items. Section 605B of the FCRA states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of t
his title.

The FTC 's Identitytheft.gov 's website also states that the " credit bureaus must honor your request to remove fraudulent information from your credit report. '' and that the " credit bureau must tell the relevant creditor that someone stole your identity ''.

NONE of this was done. TransUnion opened a standard dispute on XX/XX/2024 and closed it on XX/XX/2024. Transunion did not honor my request to block the fraudulent items off of my credit report nor did they notify the furnishers of fraudulent activity. They didn't address my Identity theft report at all. Transunion is currently violating my rights under the law. It is now PAST the 4-business day timeframe and nothing has my request has still not been fulfilled.

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