Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My complaint is regarding the unauthorized addition of an account to my consumer credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, an account from XXXX XXXX XXXX XXXX was added to my report without my permission or knowledge. This account had previously been removed from my report on XX/XX/2023, yet it has now been re-added, which constitutes unlawful and inaccurate reporting. 

Details of the Issue : Account in Question : XXXX XXXX XXXX XXXX Date Removed : XX/XX/2023 File Number : XXXX TransUnions action of re-adding this account is a violation of FCRA 1681b, which governs the permissible purposes for accessing and reporting information on a consumers credit file. No valid or permissible purpose exists for this account to be placed on my credit report again after it had been correctly removed. 

Violations of the FCRA : FCRA 1681b Permissible Purposes of Consumer Reports According to FCRA 1681b, a consumer reporting agency can only provide a consumer report under specific circumstances, such as a credit application, insurance underwriting, or court order. In this case, there was no permissible purpose for TransUnion to re-add the XXXX XXXX XXXX XXXX account without my knowledge or authorization. This action is a clear violation of the FCRAs provisions on the use of consumer reports.

FCRA 1681e ( b ) Duty to Follow Reasonable Procedures to Assure Accuracy Under FCRA 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on my consumer file. By re-reporting an account that was previously removed, TransUnion has failed in this duty, causing inaccurate and damaging information to appear on my report. 

Failure to Comply with Prior Removal Request TransUnion previously acknowledged and removed this account on XX/XX/2023. The fact that this account has been re-added without my consent or notification is further evidence that proper procedures were not followed, and this represents a failure to adhere to the FCRAs provisions on consumer protection. 

Harm Caused : TransUnions illegal re-reporting of this account has caused the following harms : Damage to my credit score as a result of the inaccurate reporting of the XXXX XXXX XXXX XXXX account. 
Negative impact on my ability to secure credit, as creditors may view this inaccurately re-reported account as a sign of unresolved financial issues.

Emotional distress, given the unnecessary frustration and time spent addressing an issue that had already been resolved. 
Actions Requested : I demand that TransUnion immediately : Permanently remove the unauthorized XXXX XXXX XXXX XXXX account from my credit report. 
Cease all future reporting of this account unless properly authorized by me with a legitimate permissible purpose.

Provide written confirmation of the removal of the account and that no further action will be taken to report it.

Investigate how this account was added back to my report without authorization and provide me with a detailed explanation of the findings.

Should TransUnion fail to comply with these requests, I will be left with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to seek damages for violations under the FCRA, including but not limited to FCRA 1681n for willful non-compliance and FCRA 1681o for negligent non-compliance.

I expect a timely response and resolution of this issue within 24 hours.

This letter highlights the violation of FCRA laws related to the unauthorized re-adding of the account and emphasizes that the account was previously removed.