Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion Dear CFPB, I am filing a formal complaint against TransUnion due to multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to the reinsertion of inaccurate and unauthorized information into my credit report. Additionally, the credit reporting agency failed to provide or request documentation I specifically asked for during the dispute process, compounding their non-compliance with the FCRA. 

Background Information : Credit Reporting Agency : TransUnion Disputed Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX On XX/XX/year>, I disputed this account on the grounds of inaccuracy. Following the dispute, Transunion deleted the account from my credit report, as confirmed in writing on XX/XX/year>. However, upon reviewing my most recent credit report on XX/XX/year>, I discovered that the same inaccurate and unauthorized information had been reinserted.

FCRA Violations : Failure to Notify of Reinsertion : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency must notify the consumer within five business days if previously deleted information is reinserted into the credit report. I was not informed of this reinsertion.

Failure to Obtain Certification of Accuracy : Before reinserting the disputed information, TransUnion was required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) to obtain certification from the furnisher that the information is accurate. No such certification was provided. 

Failure to Provide Furnisher Information : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), the agency must provide the name, address, and phone number of the furnisher of the reinserted information. This was not done. 

Failure to Ensure Accuracy : 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies adopt reasonable procedures to ensure the maximum possible accuracy of information. By reinserting inaccurate information, TransUnion has violated this provision.

Failure to Conduct a Reasonable Reinvestigation : As per 15 U.S.C. 1681i ( a ), credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed information. Reinserting inaccurate data without verification shows a failure to comply with this obligation.

Failure to Provide or Request Documentation : Throughout the dispute process, I specifically requested documents verifying the accuracy of this account, as well as contact information for the original furnisher of the data. TransUnion Reporting Agency failed to provide or request this documentation, demonstrating further non-compliance with FCRA standards.

Requested Resolution : Immediate removal of the inaccurate and unauthorized information from my credit report. 
Written confirmation that this information has been permanently removed and will not be reinserted unless in full compliance with the FCRA. 
Full disclosure of the source of the reinserted information, including the furnishers name, address, and phone number. 
An updated copy of my credit report reflecting these changes. 
Explanation of why the requested documentation was neither provided nor requested from the original furnisher. 
The reinsertion of this inaccurate and unauthorized information has caused me significant harm, including a lower credit score and emotional distress. The violations committed by TransUnion have impacted my ability to obtain favorable financial terms. I request that the CFPB take immediate action to investigate this matter and ensure that the credit reporting agency is held accountable for these serious breaches of the law.

I have attached copies of my original dispute letter, the deletion confirmation, and a copy of the new dispute.

Thank you for your attention to this matter. I look forward to your response and any actions you will take to resolve this issue. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of original dispute letter Proof of deletion confirmation Copy of new dispute Copy of FTC Identity Theft Report