Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally demand immediate compliance with 15 U.S. Code 1681c-2 ( a ) ( FCRA Section 605B ) regarding my request to block and permanently delete fraudulent accounts from my credit report. My original dispute letter was sent on XX/XX/year>, and your response dated XX/XX/year>, improperly denied my fraud block request. 

Legal Requirement Under FCRA Section 605B FCRA Section 605B clearly states : " 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 of a request from the consumer to block such information. '' As per federal law, you were required to block and remove the fraudulent accounts within 4 business days of receiving my request. Your denial and subsequent investigation are improper and in direct violation of federal law. 

Challenging Your Improper Denial Your response states that my fraud block request was denied because the account history reflects prior payments, disputes, or ownership before the fraud was reported. However, these factors are irrelevant under FCRA Section 605B. Fraudulent accounts may have prior activity if identity theft was ongoing before being discovered. Your refusal to block these accounts violates my rights under federal law. 

Immediate Actions Required Block and delete the following fraudulent accounts from my credit file immediately : Georgia Student Finance ( Federal Student Loan ) Account # XXXX ( {$4700.00} ) Provide written confirmation that this account have been blocked and permanently removed from my credit report. 

Send me an updated copy of my credit report reflecting the removal of this account. 

Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) Failure to Conduct a Proper Reinvestigation What the Law Says : When a consumer disputes an item as fraudulent, the CRA must conduct a reasonable reinvestigation within 30 days ( or 45 days if additional information is provided ). 
If they can not verify the information as accurate, they must delete it. 
How TransUnion Violated This Law : Your response does not confirm a proper reinvestigationinstead, they denied the block request without verifying new facts or evidence. 
You failed to provide supporting documents from the data furnisher ( Georgia Student Finance ) to prove the debt was valid. 
If you can not provide evidence of a valid obligation, the account must be deleted immediately. 
Potential Consequence : This is a willful FCRA violation, which can result in lawsuits for damages and penalties. 

Violation of FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Failure to Delete Unverifiable Information What the Law Says : If a CRA can not verify the disputed information as accurate, they are legally required to delete it from your credit report. 

Violation of CFPB/UDAAP ( Consumer Financial Protection Act, 12 U.S.C. 5531 ) Unfair and Deceptive Acts What the Law Says : Under the Consumer Financial Protection Act ( CFPA ), credit bureaus can not engage in unfair, deceptive, or abusive acts or practices ( UDAAP ). 
The CFPB has previously fined credit bureaus for failing to properly handle fraud disputes. 
How TransUnion Violated This Law : They misled you by stating that prior account activity invalidates your fraud claim. 
They refused to follow clear FCRA guidelines, forcing you to go through unnecessary steps. 
This behavior has been ruled illegal in past CFPB enforcement actions against credit bureaus.

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