Product: Credit reporting or other personal consumer reports

Subject : XXXXomplaint Against TransUnion for Unauthorized Re-Insertion of Fraudulent Accounts Re : TransUnions Unauthorized Re-Insertion of Fraudulent XXXX  XXXX  Accounts Dear CFPB, I am filing a formal complaint against TransUnion for illegally re-inserting XXXX fraudulent XXXX  XXXX  accounts onto my credit report after they had previously been confirmed as fraudulent and removed. This action is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing severe harm to my financial stability. 
Details of the Fraudulent Accounts : XXXX XXXX  Account 1 {$12000.00} XXXX  XXXX  Account XXXX {$13000.00} Background & XXXX Confirmation of Fraud I previously disputed and successfully had these fraudulent accounts removed from my TransUnion credit report. I later contacted XXXX Credit Card Fraud Department and spoke to a representative named XXXX, who confirmed that : XXXX. Both accounts were fraudulent. 

2. XXXX did NOT request TransUnion to reinsert these accounts. 

3. No department within XXXX authorized these accounts to be reported again. 

Despite this, TransUnion reinserted both accounts onto my credit report without my knowledge or consent and without following the required legal procedures. 
Violations of the Fair Credit Reporting Act ( FCRA ) and Other Consumer Protection Laws By re-reporting fraudulent accounts without proper authorization or notification, TransUnion has violated multiple consumer protection laws, including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) Illegal Re-Insertion of Previously Deleted Accounts If a credit bureau reintroduces a previously deleted account, it must : Notify the consumer within five business days.

Obtain certification from the creditor confirming that the account is accurate.

TransUnion failed to do either.

15 U.S.C. 1637 ( b ) Unauthorized Reporting of Fraudulent Accounts Creditors must provide accurate and fair billing disclosures.

Reporting fraudulent accounts that I never authorized or opened violates this law.

15 U.S.C. 1681c-2 Permanent Blocking of Fraudulent Information The FCRA mandates that credit reporting agencies must permanently block fraudulent accounts upon confirmation.

These accounts had already been confirmed as fraud, meaning their reappearance is an unlawful violation.

31 U.S.C. 5118 Reporting Only Legally Valid Debts Credit reporting agencies must only report legally valid debts. 
Since these XXXX accounts were confirmed as fraudulent, TransUnion has no legal basis to include them in my credit file. 

Resolution Demanded 1. I request the CFPB to investigate and hold TransUnion accountable for its reckless and illegal actions. I am demanding the following : Immediate and permanent deletion of both fraudulent XXXX accounts from my TransUnion credit report. 

2. A formal written explanation from TransUnion detailing how and why these accounts were reinserted.

3. The name and department of the entity that allegedly requested the re-insertion of these accounts. 

4. A legally binding certification that these fraudulent accounts will never be reinserted onto my credit file again.

Next Steps if TransUnion Fails to Comply If TransUnion does not take immediate corrective action, I will escalate this matter further by : Filing additional complaints with the Federal Trade Commission ( FTC ), my states Attorney General, and other relevant authorities.

Pursuing legal action for damages under 15 U.S.C. 1681n and 1681o for TransUnions willful and negligent noncompliance with federal law. 

Final Notice TransUnions negligent actions are actively harming my financial well-being by wrongfully reporting fraudulent accounts. I demand urgent intervention by the CFPB to rectify this issue immediately. 

I have enclosed supporting documentation, including proof of previous disputes, fraud determinations, and my identification. 

Thank you for your time and swift attention to this serious matter. 

Sincerely, XXXX XXXX XXXX