Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX the item below has been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. I have a unalienable right to demand that they Delete the item immediately or I will be forced to take legal action! 
XXXX XXXX XXXX UNPAID BALANCE CHARGED OFF Re-reporting previously deleted information without proper justification under the Fair Credit Reporting Act ( FCRA ) can have serious implications for consumers. Here 's a more detailed breakdown : A case regarding violations of the Fair Credit Reporting Act ( FCRA ) involves the case of Sloane v. Equifax Information Services, LLC ( 2017 ). 

In this case, the plaintiff, XXXX, alleged that XXXX violated the FCRA by failing to properly investigate and correct inaccuracies on his credit report. XXXX had disputed certain items on his credit report, and despite his efforts, XXXX allegedly failed to conduct a reasonable investigation and continued to report the disputed information inaccurately. 

The court ruled in favor of XXXX, stating that XXXX 's failure to investigate and correct the disputed items violated the FCRA. The court awarded damages to XXXX, including statutory damages, actual damages for harm suffered, and attorney 's fees. This case highlighted the obligation of credit reporting agencies to conduct thorough investigations into disputed information and rectify inaccuracies promptly, as mandated by the FCRA. 

This case illustrates how courts have ruled in favor of consumers when credit reporting agencies fail to comply with FCRA requirements, leading to inaccuracies on credit reports that harm consumers ' creditworthiness. It emphasizes the importance of proper investigation and correction of disputed information under the FCRA. 

Penalties and Remedies for Consumers : Dispute Process : As a consumer, you have the right to dispute re-reported information with the credit reporting agency. The FCRA mandates that agencies must reinvestigate the disputed item free of charge. 

Correction or Deletion : If the re-reported information is found to be inaccurate, incomplete, or unverifiable after investigation, the credit reporting agency must remove or correct it. 

Damages : If the agency or data furnisher knowingly re-reports inaccurate information without proper justification, you might be eligible for damages. These damages can include actual damages ( financial losses ), punitive damages ( if the violation was intentional ), and potentially statutory damages per violation, which can range from {$100.00} to {$1000.00}. 

Attorney 's Fees : If you win a lawsuit against the credit reporting agency or data furnisher for FCRA violations, they might be responsible for covering your attorney 's fees and court costs. 

Reporting and Legal Action : Reporting Agencies : You can report the violation to the Consumer Financial Protection Bureau ( CFPB ), which oversees compliance with the FCRA. They accept complaints and investigate reported violations. 

Federal Trade Commission ( FTC ) : The FTC also handles complaints related to FCRA violations. They enforce various consumer protection laws, including the FCRA. 

State Attorney General : You can file a complaint with your state 's Attorney General. Some states have their own consumer protection laws that work in conjunction with the FCRA. 

Private Lawsuit : If the credit reporting agency or data furnisher persists in re-reporting inaccurate information without proper justification, you have the right to file a lawsuit against them. This can seek damages and require them to correct or remove the inaccurate information from your credit report