Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Date : XX/XX/XXXX To : Department of Consumer Complaints, Fraud Division Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX And TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Dear XXXX XXXX, I am writing to bring to the attention of the Federal Trade Commission ( FTC ) and TransUnion a serious violation of federal law concerning the improper reinsertion of a previously deleted account on my credit report. 

Specifically, I previously disputed a XXXX account that was appearing on my credit profile. After investigation, TransUnion removed this account because I provided evidence that I was a victim of identity theft linked to the XXXX data breach. I continue to assert that this account does not belong to me. 

However, around XX/XX/XXXX, TransUnion reinserted the XXXX account into my credit report without notifying me in advance or providing any documentation explaining why the account was being reinserted. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), governs the reinsertion of previously deleted information in a consumers credit file. The law states : If any information is deleted from a consumers file the information may not be reinserted unless the person who furnishes the information certifies that the information is complete and accurate. If any information is reinserted the consumer reporting agency shall notify the consumer of the reinsertion not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by other means available to the agency. 

In short : The data furnisher must certify the information is accurate before reinsertion ; The consumer reporting agency must notify the consumer within 5 business days of reinsertion and provide the name, address, and telephone number of the furnisher.

Failure to comply constitutes a violation of the FCRA, exposing the credit reporting agency to civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

Due to this violation, the law clearly demands that you delete this account from my profile immediately. Furthermore, as I am a documented victim of identity theft, under 15 U.S.C. 1681c-2, TransUnion must also block the reporting of this fraudulent account within 4 business days of receiving my notice and supporting documentation.

I have once again attached a copy of the identity theft report and related documentation for your reference. 

Please consider this formal notice and demand for immediate correction. If TransUnion fails to comply, I will pursue legal remedies under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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