Consumer complaint received 2025-04-01 00:00:00
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.
State: CA

Complaint narrative:
I, XXXX XXXX, submit this formal complaint against TransUnion for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit report contains fraudulent accounts and unauthorized inquiries that TransUnion has failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, TransUnion has removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ).

Furthermore, I sent a certified dispute letter to TransUnion requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 30 days passing, I have not received any response or documentation, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings.

15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts upon receiving proper documentation.

15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting.

15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide requested verification details, including contracts and signatures.

Accounts in Dispute The following accounts appear on my credit report and have been improperly verified without proper documentation : XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXXXXXX ( Account # : XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX Demands for Resolution I request the immediate and permanent removal of all fraudulent accounts and unauthorized inquiries from my credit file. Additionally, I demand : Written confirmation of the removal and blocking of these accounts and inquiries, along with updated copies of my credit reports.

A thorough investigation into how these fraudulent accounts and inquiries were recorded without my consent.

Provision of investigation findings in writing, including all requested verification details, such as contracts and signatures.

Enforcement of compliance with federal law by imposing financial penalties and systemic reforms to prevent further violations.

Conclusion The continued noncompliance by TransUnion has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations. 

Sincerely, 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