Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9390249
Consumer Demands TransUnion Block Identity Theft Accounts
Complaint Overview
Complaint ID: 9390249
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 23434
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The complaint involves allegations of identity theft and fraud, which, if proven, could lead to significant legal and reputational consequences for the credit reporting agency.
Consumer Sentiment: negative
Topics: Credit reporting, Identity theft, FCRA
AI Analysis
CFPB complaint 9390249 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer alleges identity theft and fraud, requesting TransUnion block the reporting of fraudulent accounts on their credit report under FCRA. The complaint was received on June 30, 2024 from Virginia. The company responded with "Closed with non-monetary relief".
Consumer Narrative
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of, charter XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft XXXX XXXX # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I.C XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
What You Should Do -- Consumer Action Plan
Consumers experiencing identity theft should file an FTC Identity Theft Report and clearly dispute fraudulent information with credit bureaus, citing relevant FCRA provisions.
Legal Context & Consumer Protection Laws
The complaint explicitly references the Fair Credit Reporting Act (FCRA), specifically subsection 605b (15 U.S.C 1681c-2), regarding the blocking of information resulting from identity theft.
Regulatory Insight
This case highlights the FCRA's provisions for consumers to dispute and block fraudulent information resulting from identity theft, placing a burden on credit reporting agencies to investigate and act promptly.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint was filed in Virginia (VA).
Industry Comparison
Credit reporting agencies are frequently involved in disputes related to identity theft and the accuracy of consumer reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390249 about?
CFPB complaint 9390249 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2024.
Which company is complaint 9390249 filed against?
Complaint 9390249 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.
What was the company's response to complaint 9390249?
TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390249 filed?
Complaint 9390249 was received by the CFPB on June 30, 2024. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on June 30, 2024.
What state was complaint 9390249 filed from?
Complaint 9390249 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 9390249?
Dispute information is not available for complaint 9390249.
What product category is complaint 9390249 about?
Complaint 9390249 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 9390249 submitted?
Complaint 9390249 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 9390249?
The complaint explicitly references the Fair Credit Reporting Act (FCRA), specifically subsection 605b (15 U.S.C 1681c-2), regarding the blocking of information resulting from identity theft. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Improper use of your report".
How likely is complaint 9390249 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9390249?
This complaint is rated as high risk. The complaint involves allegations of identity theft and fraud, which, if proven, could lead to significant legal and reputational consequences for the credit reporting agency.
What regulatory actions apply to complaint 9390249?
This case highlights the FCRA's provisions for consumers to dispute and block fraudulent information resulting from identity theft, placing a burden on credit reporting agencies to investigate and act promptly. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 9390249?
Consumers experiencing identity theft should file an FTC Identity Theft Report and clearly dispute fraudulent information with credit bureaus, citing relevant FCRA provisions.
Are there state-specific protections for complaint 9390249?
The complaint was filed in Virginia (VA). This complaint was filed from Virginia.
How does complaint 9390249 compare to industry norms?
Credit reporting agencies are frequently involved in disputes related to identity theft and the accuracy of consumer reports.
What is the typical timeframe for a credit reporting agency to block information after receiving an identity theft claim under FCRA?
Under FCRA 605b, credit reporting agencies are generally required to block information resulting from identity theft within four business days of receiving the necessary documentation from the consumer.
What documentation is typically required to support an identity theft claim for blocking purposes?
Consumers usually need to provide a police report or FTC Identity Theft Report, along with a signed statement detailing the fraudulent activity.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.