Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. It has come to my attention that your bureau has obtained information under false pretenses, in direct violation of 15 USC 1681q.

Upon reviewing my credit report, I have discovered inaccurate and misleading information that appears to have been obtained under deceptive means. Further more this account that was previously removed from my credit report due to fraudulent activity. Per the Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i, I have the right to ensure the accuracy of the information on my credit report. These false pretenses include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$790.00} Reason : Under 15 USC 1681c-1. Identity theft prevention ; fraud alerts and active-duty alerts also Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i Instruction : Please Delete Immediately It is essential to emphasize that obtaining information under false pretenses is expressly prohibited by the FCRA, which is designed to protect the integrity and accuracy of consumer credit reports. Credit reporting agencies have a responsibility to conduct themselves in an ethical and lawful manner, ensuring that the information reported is obtained legitimately and for appropriate purposes.

Upon discovering this fraudulent activity, I promptly contacted both the creditor and TransUnion to report the identity theft and request removal of the erroneous account from my credit report.

I appreciate that TransUnion acted promptly to remove the fraudulent account from my credit report following my initial dispute. However, I recently became aware that the same account has been reinserted into my credit file.

This reinsertion of the fraudulent account has had a negative impact on my credit score and financial well-being. It is imperative that this erroneous information be permanently removed from my credit report, as it does not accurately reflect my credit history or financial responsibility. In accordance with FCRA 611, I request that TransUnion conduct a thorough investigation into the reinsertion of this fraudulent account and provide me with a written explanation of the results of the investigation within the legally mandated timeframe. 

I kindly request that your bureau conduct an immediate investigation into these allegations and takes the necessary actions to rectify the inaccuracies resulting from the information obtained under false pretenses. Furthermore, I expect your organization to implement corrective measures to prevent such violations from occurring in the future. 

As a consumer whose rights have been violated under the FCRA, I reserve the right to pursue legal remedies and report this violation to the appropriate regulatory authorities should your bureau fail to address this matter promptly. 

I appreciate your attention to this matter and expect a prompt resolution. Please acknowledge receipt of this letter and notify me in writing of the actions taken to rectify the inaccuracies and discrepancies. 

Thank you for your cooperation. 

Sincerely, 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