Consumer complaint received 2024-12-25 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 filing this complaint against TransUnion due to their refusal to block fraudulent information from my credit report despite my submission of an official FTC Identity Theft Report, as required under the Fair Credit Reporting Act ( FCRA ). TransUnion has not only misrepresented the validity of the documentation I provided but has also delayed taking action to remove fraudulent inquiries from my credit profile. I am seeking immediate action from the Consumer Financial Protection Bureau ( CFPB ) to ensure that TransUnion follows the law and removes these fraudulent inquiries from my credit report. 

Details of the Issue : 1. Identity Theft Report Submitted : On XX/XX/year>, I received a communication from TransUnion stating that they could not block the fraudulent information on my credit report because the FTC Identity Theft Report I submitted was deemed invalid. However, this report was officially filed with the Federal Trade Commission ( FTC ) via their website, www.identitytheft.gov, and is a valid, government-certified document. The report includes several identifying features that distinguish it as authentic : Government Seal confirming its legitimacy. 
Document Number that is unique to the report and can be verified. 
Digital Signature from the FTC, along with my wet signature, to authenticate the document. 
Identifying markers located in the top-right corner of the document, proving its authenticity. 
According to Section 605B of the FCRA, TransUnion is required to block fraudulent information from my credit report upon receipt of a valid FTC identity theft report. TransUnions refusal to accept the report as valid is a misrepresentation of the facts and a violation of federal law.

2. Delays in Removal of Fraudulent Inquiries : Despite providing all required documentation through the CFPB portal for swift resolution, TransUnion has failed to act promptly. FCRA Section 605B mandates that credit reporting agencies must block fraudulent information within a reasonable timeframe, usually within 30 days of receiving the identity theft report. TransUnion has failed to meet this deadline and has caused unnecessary delays in resolving this issue. 
Furthermore, FTC regulations under 15 U.S. Code 1681c-2 require credit bureaus to take prompt action to remove fraudulent information. TransUnions delay in removing fraudulent inquiries and their failure to act in a timely manner constitutes a violation of these federal regulations. 
3. State Law Violations : In addition to federal laws, California State Law under California Civil Code Section 1785.16 ( part of the California Consumer Credit Reporting Agencies Act ) mandates that credit reporting agencies must promptly remove fraudulent information when a valid identity theft report is submitted. TransUnions refusal to act in compliance with this law and their failure to respond within the statutory time frame is a violation of my rights under both federal and California state law. 
4. Misrepresentation of Documentation : TransUnions misrepresentation of the FTC Identity Theft Report as invalid is particularly concerning. As per FCRA Section 1681i, when a consumer submits a valid dispute, the credit reporting agency is required to provide an accurate and fair review of the information. TransUnion has failed to do so by rejecting an official, government-issued identity theft report, thereby misrepresenting the validity of my documentation. 
5. Request for Action : I am requesting the CFPBs immediate assistance to : Require TransUnion to block the fraudulent inquiries from my credit report in compliance with the FCRA and California state law.

Ensure that TransUnion acknowledges and accepts the valid FTC Identity Theft Report as a legitimate document for blocking fraudulent information.

Hold TransUnion accountable for the delay in removing fraudulent items, as required by 15 U.S. Code 1681c-2 and California Civil Code Section 1785.16 .

Ensure TransUnion provides timely and accurate communication and resolution of this matter, as stipulated by FCRA Section 1681i. 

Supporting Documents : Copy of the FTC Identity Theft Report submitted to TransUnion. 
Correspondence from TransUnion rejecting my fraud block request. 
Evidence of submission via CFPB portal. 
Any relevant state or federal law documents supporting the removal of fraudulent inquiries. 

Desired Outcome : I seek the immediate removal of fraudulent inquiries from my credit report, along with proper acknowledgment of the FTC Identity Theft Report by TransUnion, and compliance with federal and state laws regarding the removal of fraudulently reported items. 

I trust that the CFPB will assist in ensuring TransUnion complies with all relevant laws and that I receive the relief I am entitled to. 

Additional Information : Consumer Name : XXXX XXXX XXXX File Number : XXXX Date of Complaint : XX/XX/year> Contact Information : [ Your Email Address & Phone Number ] Attachments included in this email as a copy of email from Trans Union on their secured portal Stating government issued identification Government issued FTC identity theft report from ftc.gov Dispute detailing fraudulent inquiries CFPB complaint first complaint issued XX/XX/XXXXXXXX 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