Consumer complaint received 2024-08-31 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: CA

Complaint narrative:
I am writing to follow up on my previously submitted complaint ( # XXXX ) against TransUnion LLC . I wish to bring to your attention the serious issues regarding TransUnions handling of my dispute, specifically their misrepresentation of documentation, refusal to block fraudulent information, and delays in resolving the matter. These actions have caused significant hardship and appear to be in clear violation of both federal and state laws.

# # # **Summary of TransUnions Response : ** TransUnion has declined my request to block fraudulent information from my credit report, claiming that the identity theft report I submitted, which was obtained from FTC.gov, is not an official or valid document. This refusal was communicated to me despite the fact that the Fair Credit Reporting Act ( FCRA ) explicitly recognizes such reports as valid documentation. TransUnions refusal to acknowledge this documentation not only misrepresents the truth but also delays the resolution of the dispute and continues to harm my credit profile. 

# # # **Violations and Relevant Laws : ** 1. **Fair Credit Reporting Act ( FCRA ) - Section 605B ( 15 U.S.C. 1681c-2 ) : ** - **Violation : ** TransUnions refusal to block the fraudulent information on my credit report violates Section 605B of the FCRA. Under this section, once a consumer provides an identity theft report, the credit reporting agency is obligated to block the reporting of any information identified as resulting from identity theft.

- **Misrepresentation : ** By claiming that the FTC identity theft report is not a valid document, TransUnion is willfully misrepresenting the truth, obstructing my rights under the FCRA , and delaying the resolution process.

2. **Fair Debt Collection Practices Act ( FDCPA ) - Section 807 ( 15 U.S.C. 1692e ) : ** - **Violation : ** TransUnions misrepresentation of the validity of the FTC identity theft report could also be considered a violation of the FDCPA, which prohibits false or misleading representations in connection with the collection or reporting of debts.

- **Intentional Hardship : ** The misrepresentation and subsequent delays have caused significant and unnecessary hardship, as the fraudulent information remains on my credit report, impacting my financial standing. 

3. **California Consumer Credit Reporting Agencies Act ( CCCRAA ) - Section 1785.16 ( k ) : ** - **Violation : ** TransUnions refusal to honor the FTC identity theft report also violates the CCCRAA, which mandates that credit reporting agencies in California must block fraudulent information upon receiving an identity theft report.

- **Delay in Resolution : ** By not acting promptly to block the fraudulent information, TransUnion is also violating California state laws designed to protect consumers from identity theft and its damaging effects. 

4. **California Identity Theft Statute ( Cal. Civ. Code 1798.93 ) : ** - **Violation : ** TransUnions actions may further violate Californias identity theft statute, which provides victims with the right to have fraudulent information removed from their credit reports.

- **Misrepresentation and Delay : ** TransUnions misrepresentation and refusal to act on valid documentation are directly impeding my ability to exercise these rights, further delaying resolution and causing ongoing harm.

5. **Californias Unfair Competition Law ( UCL ) - Business & Professions Code 17200 : ** - **Violation : ** The actions of TransUnion may also constitute unfair business practices under Californias UCL , which prohibits unlawful, unfair, or fraudulent business acts or practices.

- **Intentional Hardship : ** TransUnions failure to comply with legal obligations and its misrepresentation of documentation create an unfair and unlawful barrier to resolving this issue, furthering the hardship I experience.

# # # **Request for Action : ** Given the seriousness of these violations and the ongoing harm caused by TransUnions actions, I am requesting the CFPB to take immediate action to enforce compliance with both federal and state laws. TransUnions intentional delays, misrepresentation, and refusal to block fraudulent information are clear violations that warrant investigation and corrective measures.

I am prepared to provide any additional information or documentation required to support this complaint. I look forward to your assistance in holding TransUnion accountable for their actions and ensuring they adhere to the legal standards set forth to protect consumers.

Attached or copies of FTC identity theft report and dispute letter from ftc.gov California state issued ID government issued passport Along with email from Trans Union, which shows misrepresentation

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