Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion regarding the reinsertion of a fraudulent account on my credit report, despite previous removal and assurances that it would not be re-reported. This egregious action by TransUnion not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines my consumer rights and financial well-being.

The details of my complaint are as follows : XXXX. **Description of the Issue : ** In XXXX, I discovered a fraudulent account on my TransUnion credit report . After promptly disputing the account and providing all necessary documentation to prove its fraudulent nature, TransUnion acknowledged the CFPB complaint and subsequently removed the account from my credit report in XX/XX/XXXX. However, to my dismay, TransUnion has reinserted the same fraudulent account on my credit report, despite previous assurances that it would not be re-reported. 

XXXX. **Previous Response from TransUnion : ** In response to a previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, TransUnion provided assurances that the fraudulent account would be permanently removed from my credit report. However, their recent actions clearly contradict this commitment, raising serious concerns about their compliance with consumer protection laws. 

XXXX. **Violation of FCRA : ** The reinsertion of the fraudulent account by TransUnion constitutes a clear violation of the FCRA . According to FCRA 611 ( a ) ( 5 ) ( B ), if a consumer disputes the accuracy of any information on their credit report and the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete such information. TransUnion 's reinsertion of the fraudulent account directly contradicts this provision, indicating negligence or willful disregard for federal regulations designed to protect consumers ' rights. 

XXXX. **Previous Legal Action : ** It is pertinent to note that I have previously sued TransUnion for a similar matter in XX/XX/XXXX. Despite legal action taken against them, TransUnion 's repeated failure to comply with federal regulations and their disregard for court orders demonstrate a pattern of misconduct and an utter lack of accountability. 

XXXX. **Consumer Rights Violation : ** The reinsertion of the fraudulent account not only harms my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and fair credit reporting. TransUnion 's actions have unjustly damaged my creditworthiness and subjected me to undue financial hardship and emotional distress. Furthermore, I have been denied credit on several occasions due to the presence of the fraudulent account on my credit report, exacerbating the financial strain caused by TransUnion 's negligence. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take swift and decisive action to hold TransUnion accountable for their misconduct. Furthermore, I request that the fraudulent account be permanently blocked from my consumer report to prevent any future recurrence of this issue.