Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SUMMARY OF LEGAL CLAIMS & NOTICE OF INTENT TO LITIGATE Re : Formal Notice of Intent to Sue Account Number : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and Federal Regulations by XXXX XXXX XXXX XXXX I. INTRODUCTION & BACKGROUND This document serves as a formal legal summary in anticipation of litigation for XXXX XXXX XXXX XXXX 's willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal statutes, arising from the unlawful reinsertion of a previously deleted tradeline ( Account # XXXX ) with derogatory XXXX late notations for XXXX and XX/XX/XXXX. 

XXXX XXXX was properly disputed and formally removed from my consumer report. Its subsequent reinsertion occurred without compliance with the mandatory procedural safeguards enumerated in federal law. This constitutes a material breach of the FCRA, giving rise to liability for statutory damages, actual damages, and punitive sanctions.

II. UNLAWFUL REINSERTION VIOLATIONS OF 15 U.S.C. 1681i ( a ) ( 5
) XXXX XXXX XXXX XXXX permitted the reinsertion of disputed and previously deleted information without : Certifying the accuracy of the reinsertion to the Consumer Reporting Agency ( CRA ) ; and Notifying the consumer in writing within five ( 5 ) business days, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

This omission constitutes a strict liability violation of the FCRA. Case law affirms that any reinsertion without full procedural compliance is actionable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reinsertion without notice held to be a direct violation, giving rise to statutory damages and actual harm. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Furnishers and CRAs are jointly liable for reinserting inaccurate information without a proper reinvestigation and notice.

III. FAILURE TO ENSURE MAXIMUM POSSIBLE ACCURACY VIOLATION OF 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ), both furnishers and CRAs have a non-delegable duty to ensure that all information reported is complete and accurate to the maximum extent possible. The reinsertion of previously disputed, unverifiable, and inaccurate data without reinvestigation violates this statutory obligation. 

Supporting authority : XXXX v. TransUnion XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Held that the FCRA imposes an affirmative obligation to ensure " maximum possible accuracy. '' XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Emotional distress damages permitted where reinsertion led to consumer harm. 

XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Damage to reputation and denial of credit are actionable under 1681e ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is liable under : 15 U.S.C. 1681n Willful noncompliance : statutory damages ( {$1000.00} per violation ), punitive damages, and attorneys fees.

15 U.S.C. 1681o Negligent noncompliance : actual damages, including economic loss and emotional distress.

Demands for compensation include : Statutory Damages : No less than {$2000.00} for multiple violations of 1681n and 1681o. 

Actual Damages : Denial of housing : {$50000.00} Credit card rejections and limits : {$3000.00} Emotional and reputational harm : {$50000.00} Total claimed damages exceed {$100000.00}, exclusive of attorneys ' fees, costs, and potential punitive damages. 

V. NO VIABLE DEFENSE OR EXCEPTION UNDER THE LAW There is no statutory exception, judicial interpretation, or regulatory loophole that excuses your institutions failure to : Certify reinsertion accuracy ; Provide written notice within five ( 5 ) business days ; Reinvestigate disputed data in good faith ; Ensure maximum possible accuracy.

Attempts to deny, deflect, or delay will be viewed as further willful noncompliance under 15 U.S.C. 1681n, increasing liability exposure.

VI. FINAL NOTICE & CONSEQUENCES FOR NON-COMPLIANCE If full correction and compensation are not received within forty
-five ( 45 ) days, the following will occur without further notice : Civil lawsuit in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for FCRA violations XXXX 

Formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX  Attorney General FDIC and NCUA Public and media exposure, online regulatory reviews, and dissemination of your violations through consumer advocacy channels. 

Formal demand for injunctive relief, declaratory judgment, and monetary damages.

VII. CONCLUSION & NEXT STEPS You are hereby placed on legal notice. Any failure to act will be construed as bad faith. Any misrepresentation or falsified rebuttal will be treated as further evidence of willful misconduct and introduced as such in federal court. 

A formal demand letter outlining settlement terms, supporting exhibits, and further claims is forthcoming. 

This is not a bluff, and you are strongly advised to retain counsel, audit your compliance obligations, and remedy all identified violations without delay. 

Respectfully submitted, XXXX XXXX

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 non-monetary relief