Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
Subject : TransUnions Refusal to Accept Legally Valid Identity Theft Documentation Dear CFPB Representative, I am filing a new complaint against TransUnion for their continued refusal to comply with FCRA 605B and their deceptive handling of identity theft disputes. Despite submitting all required documentation, TransUnion has : * Denied my FTC Identity Theft Report and police report without valid reason * Refused to permanently block fraudulent accounts and inquiries * Failed to provide proof of verification for disputed accounts * Allowed previously deleted accounts to be unlawfully reinserted onto my credit report Evidence of TransUnions Non-Compliance : I submitted the following legally recognized identity theft documents, the same information I summited to the CFPB : * FTC Identity Theft Affidavit * Police Report * Government-Issued ID ( Drivers License ) * Social Security Card * Utility Bill ( Proof of Address ) Despite receiving these, TransUnion falsely claimed that my documents were not acceptable or incomplete and insisted that I use their internal forms, which is not a legal requirement. This is a violation of FCRA 605B, which mandates the blocking of fraudulent information upon receipt of a valid identity theft report. 
Additional FCRA Violations by TransUnion : 1. Failure to Block Fraudulent Accounts ( FCRA 605B Violation ) * TransUnion refused to immediately block fraudulent accounts and inquiries despite receiving legally valid documentation. 
* Instead of complying with the law, they delayed the process by requesting their own internal form, which is not required under FCRA. 
2. Failure to Provide Proof of Verification ( FCRA 611 ( a ) ( 7 ) ) * TransUnion refuses to provide the method of verification ( MOV ) for disputed accounts. 
* If they can not provide evidence of verification, these accounts must be deleted immediately. 
3. Illegal Reinsertion of Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) * TransUnion has allowed fraudulent accounts to be reinserted without the required consumer notification, violating federal law. 
4. Failure to Remove Unauthorized Inquiries ( FCRA XXXX Violation ) * Multiple inquiries that were not authorized by me remain on my report. 
* TransUnion must delete all unauthorized inquiries immediately. 
Actions Requested from CFPB : 1. Require TransUnion to Accept My Valid Identity Theft Documentation * They must comply with FCRA 605B and immediately block fraudulent accounts and inquiries. 
2. Compel TransUnion to Provide Proof of Verification * They must disclose how they verified the fraudulent accounts. 
* If they can not, the accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
3. Impose Fines Against TransUnion for Repeated Violations * Due to their continued refusal to follow consumer protection laws, I am requesting {$20000.00} in damages for financial harm, emotional distress, and their repeated FCRA violations. 
4. Ensure Permanent Removal of Unauthorized Accounts and Inquiries * All fraudulent accounts must be permanently removed and not reinserted without proper notification. 
I request that the CFPB take immediate action against TransUnion and escalate enforcement against their deceptive and illegal practices. 
Thank you for your time and assistance. 
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 explanation