Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX To : XXXX XXXX XXXX XXXX Chief XXXX XXXX XXXX XXXX XXXX XXXX Chief Financial XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Senior Vice President, Fraud and Identity Solutions XXXX XXXX XXXX Vice President, Fraud Strategy and Operations Fraud Department Executives Compliance and Legal Executives TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Legal Notice Regarding Fraudulent Reporting and Non- Compliance with Consumer Protection Laws Cc : Consumer Financial Protection Bureau ( CFPB ) Atten : All department heads that listed above will be addressed in my legal proceedings for willful negligence pertaining to my claims. My financial life is in ruins over Transunion blatant disregard for me or my financial well being. 
Dear, XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX, Chief Financial Officer XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, Senior Vice President, Fraud and Identity Solutions XXXX XXXX, Vice President, Fraud Strategy and Operations XXXX Fraud Department Executives Compliance and Legal Executives I am writing this letter to formally address TransUnions repeated negligence, violations of consumer protection laws, and failure to adequately respond to my disputes regarding fraudulent accounts falsely reported on my credit profile. I am submitting this correspondence to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general for further action. TransUnion is hereby legally bound to respond within four ( 4 ) business days of receipt of this letter. 
Summary of Issues and Allegations 1. Failure to Respond to Disputes : Despite submitting multiple disputes to correct fraudulent information on my credit report, TransUnion has failed to provide a substantive response. This constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) investigate disputes and respond in a timely and thorough manner. 
2. Failure to Block Fraudulent Information Under Section 605B of the Under Section 605B, I provided sufficient evidence of identity theft and requested the blocking of fraudulent accounts. TransUnions failure to block such accounts is a violation of my consumer rights. 
FCRA : 3. Negligent Practices Leading to Financial Harm : TransUnions negligence in maintaining accurate records and failing to address my disputes has caused me significant financial distress, including the inability to secure a home loan. This constitutes harm under Section 623 of the FCRA. 
TransUnions pattern of repeatedly requesting identity verification documents, despite my submission of valid identification including my drivers license, Social Security card, and utility bill, is an intentional stall tactic that violates my consumer rights under the FCRA. 
6. Violation of the Consumer Data Protection Laws : 4. Attempts to Stall Disputes by Requesting Redundant Identity Verification : 5. Opt-Out of Arbitration Clause : I have formally opted out of TransUnions arbitration clause, which removes any contractual limitations to my ability to pursue litigation. This letter serves as a reaffirmation of my decision and establishes that TransUnions terms and conditions no longer bind me. 

XXXX TransUnion has suffered multiple data breaches in recent years, compromising sensitive consumer information. Your companys failure to protect personal data violates the Fair and Accurate Credit Transacti

ons Act ( FACTA ) and Section 5 of the Federal Trade Commission Act ( FTC Act ) concerning unfair or deceptive practices. Documentation and Legal Request Social Security
card Recent utility bill These documents are sufficient under the law to verify my identity. TransUnion is legally bound to accept them and may not reject them for dispute resolution purposes. 
Cease and Desist Notice I demand an immediate cease and desist on all reporting of fraudulent accounts under my name. Failure to comply with this request is a violation of Section 605B of the FCRA and will result in further legal action. 
Violations and Legal Precedents 1. Failure to Conduct Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated disputes, XXXX has failed to conduct a reasonable reinvestigation of the inaccurate and fraudulent accounts reported on my credit file. 
Your reliance on automated systems, such as e-OSCAR, fails to meet the statutory requirement of a thorough and reasonable investigation. 
2. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Upon receipt of my dispute, proof of identity, and documentation ( including a police Copy of my drivers license Enclosed with this letter, I have provided the following : XXXX report ), you were required to block the fraudulent information within four ( 4 ) business days. Transunion failure to comply with this timeline is a direct violation of the statute. 
3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX is mandated to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. The continued reporting of erroneous and fraudulent accounts demonstrates a flagrant disregard for this legal obligation. 
4. Failure to Respond to Consumer Complaints : XXXX refusal to respond to my disputes within the legally mandated timeframes under 15 U.S.C. 1681i ( a ) has caused severe financial harm, including loss of access to credit and the inability to secure housing. 
5. Failure to Block Fraudulent Accounts Pursuant to 605B : My client submitted a valid and substantiated request to block fraudulent accounts under 605B. 
XXXX failed to fulfill this mandatory duty, leaving harmful and erroneous accounts on my client 's credit report. 
6. Failure to Respond to Disputes in a Timely Manner ( 1681i ) : Despite the FCRA 's requirement that disputes be resolved within 30 days ( or 45 days if XXXX supplementary information is provided ), XXXX failed to address my client 's initial dispute within the statutory timeframe. 
7. Failure to Remove Unauthorized Inquiries ( 1681b ) : Unauthorized credit inquiries remain on my client 's credit report despite repeated disputes. These inquiries were neither authorized nor initiated by my client. 
8. Reinsertion of Previously Disputed Items Without Notice ( 1681i ( a ) ( 5 ) ( B ) ) : XXXX improperly reinserted previously disputed items into my client 's credit file without providing the requisite written notice. This constitutes a clear violation of the FCRA. 
9. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 1681e ( b ) ) : XXXX failed to implement reasonable procedures to ensure maximum possible accuracy of information in my client 's credit file, leading to Sections 605B, 611, and 623. 
Failing to address disputes in a timely manner. 
Failing to block fraudulent information after identity theft claims. 
Data breaches compromising consumer information. 
Violation of Section 5 of the Federal Trade Commission Act ( FTC Act ) : Violations of the Fair Credit Reporting Act ( FCRA ) : Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Engaging in unfair and deceptive practices. 
Legal Precedents Against TransUnion XXXX. XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court ruled against TransUnion for failing to provide accurate information to consumers, leading to harm. 
2. Data breach settlements in recent years, including instances where TransUnion was found negligent in protecting consumer data. 
XXXX  Recent Violations for Reference For comparison, XXXX has also faced significant legal challenges, including similar FCRA violations and failure to address consumer disputes adequately. These systemic issues across credit bureaus highlight a failure to comply with federal laws designed to protect consumers. 
Demands 1. Immediate Blocking of Fraudulent Accounts : In compliance with Section 605B, fraudulent accounts must be blocked without delay. 
2. Written Updates Only : I will not accept automated or electronic responses. All correspondence must be mailed to the address above. 
3. Removal of Fraudulent Information : All fraudulent accounts must be permanently removed from my credit report. 
4. Acknowledgment of Liability for Harm Caused : I reserve the right to pursue legal action for financial distress caused by your negligence. 
Failure to meet these demands within four ( 4 ) business days will result in additional complaints to the CFPB, state attorney general, and potential litigation. 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
XXXX XXXX XXXX following personal information is incorrect. Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
2.The following personal information is incorrect. Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
3.The following personal information is incorrect. Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
4.The inquiry was not authorized. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5.The inquiry was not authorized. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6.The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7.The inquiry was not authorized. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9.The inquiry was not authorized. XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX Account Number : XXXX fraudulent account Please remove it from my credit report. 
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. XXXX Account XXXX : XXXX fraudulent account Please remove it from my credit report. 
Conclusion Your negligence in handling disputes, failure to comply with federal laws, and disregard for consumer rights have caused me irreparable harm. I will hold TransUnion accountable for all violations and take necessary legal action to protect my rights. 
This letter serves as formal notice, and you are now legally obligated to comply with my demands under all applicable consumer protection laws. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX SSN : 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