Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently applied for an auto loan and I was surprised to see that my score had dropped nearly XXXX points without explanation. As I reviewed the latest consumer report directly from TransUnion I discovered that an old entry that I had disputed as inaccurate and unverified that was removed in XXXX has reappeared without notification. I contacted Transunion and kindly reminded them that they could not just reinsert an entry without notifing me with five days as stated under the FCRA 611. They replied with two canned XXXXr responses. 1. ) An acknowlement that they recived my letter and XXXX. ) they labeled this entry as " UPDATED '' with no certification or verification of accuracy which shows me my letter was ignored. To me that is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) and I am well within my right to have that entry on my credit profile removed.
What was originally printed from Transunion was four items from a XXXX XXXX XXXX XXXX XXXX opened XXXX Reported as 120 days late from XXXX of XXXX to XXXX XXXX. Another XXXX XXXX XXXX XXXX XXXX opened XXXX Reported as 120 days late from XXXX of XXXX to XXXX XXXX, showing it TWICE! The forth one is XXXX XXXX XXXX XXXX XXXX opened XXXX. Closed XXXX. Reported as 60 days late in XXXX of XXXX and 90 days in XXXX XXXX. In another report, these four different accounts labeled US Department of Education. They were showing up as four derogatory marks against my profile and there should only be one account and one account number. Transunion removed these entries XXXX of XXXX and reinserted XXXX XXXX with different account numbers. 

The law clearly states under the FCRA, 611 ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I had spent many months trying to repair the inaccurate information of my credit score, and for Transunion to state that an entry of incorrect, unverified nor even certified should be reinserted just because they say it 's UPDATED. It is unfair and down right WRONG for any of these agencys to do so.

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