Consumer complaint received 2026-04-01 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: PA

Complaint narrative:
On XX/XX/year>, I submitted a complete XXXX block request to the credit reporting agency. My submission included proof of identity, a Victim Determination Document issued and signed by a detective with the XXXX XXXX Police Department XXXX XXXX XXXX XXXX, a written list of adverse items resulting from XXXX, and a full legal explanation citing 15 U.S.C. 1681c3 and 12 CFR 1022.142. The Victim Determination Document fully satisfies the federal definition of valid XXXX documentation because it was issued by a member of a XXXX XXXX task force authorized by a governmental entity, as described in 12 CFR 1022.142 ( b ) ( 6 ) ( i ) ( A ) ( 2 ). The XXXX XXXX XXXX XXXX Task Force is a multiagency, governmentauthorized lawenforcement task force that includes the XXXX XXXX Police Department, the California Department of Justice, the FBI, Homeland Security Investigations, the California Highway Patrol, the XXXX XXXX Sheriffs Department, the XXXX XXXX XXXX Attorneys Office, the U.S. Attorneys Office, and the XXXX XXXX XXXX XXXX. A detective assigned to this task force is legally recognized under federal regulation as an authorized issuer of XXXX documentation. Federal law requires the credit reporting agency to accept this documentation and block the adverse items I identified. Under 12 CFR 1022.142 ( c ), a consumer reporting agency may not furnish a consumer report containing any adverse item of information if the consumer has provided valid trafficking documentation. The agency is prohibited from denying a XXXX block based on its own judgment about the facts or circumstances described in the documentation. The regulation explicitly states that the agency may not question the detective, the task force, the agency that issued the documentation, or whether it recognizes the organization, and it may not substitute its own judgment or reject the documentation for subjective reasons. Despite these prohibitions, the adverse items remain on my file. Federal law also requires the agency to block the adverse items within four business days of receiving my submission, as stated in 12 CFR 1022.142 ( e ) ( 1 ). This did not occur. The agency is required to attempt to resolve any deficiency in the consumers submission rather than simply rejecting it, as required by 12 CFR 1022.142 ( e ) ( 2 ) ( i ). No attempt was made to resolve anything. The agency is also required to notify me of its determination within five business days under 12 CFR 1022.142 ( f ) ( 1 ). No legally compliant notice was provided. The only legally permissible reasons for denying a XXXX block are if the agency can not confirm the consumers identity, if the consumer did not provide any victim determination documentation, or if the agency can not identify the adverse items. None of these apply to my submission. My identity was confirmed, my documentation was complete and valid, and the adverse items were clearly identified in writing. As of today, the adverse account and multiple hard inquiries that resulted directly from XXXX XXXX remain unblocked and unremoved, despite the agency being federally required to remove them promptly. The agency failed to follow multiple mandatory federal requirements, failed to block the items within the required timeframe, failed to resolve any alleged deficiency, and failed to provide the required notice. I am requesting CFPB enforcement to ensure compliance with 15 U.S.C. 1681c3 and 12 CFR 1022.142.

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