Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It XXXX Concern, I am writing to file a formal complaint regarding an account that has been inaccurately re-reported by TransUnion after a previous investigation and deletion of the same account on XX/XX/year>. This account is being inaccurately reported only by TransUnion, while XXXX and XXXX have correctly excluded it from my credit report. 

This situation violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and completeness of the information they report. Specifically, I would like to bring attention to the following FCRA provisions : XXXX. Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The fact that TransUnion re-reported an account that was previously deleted after an investigation is a direct violation of this responsibility. 

XXXX. Section 1681i ( a ) ( XXXX ) ( A ) : Under this section, if a disputed item is found to be inaccurate or unverifiable during a reinvestigation, the credit reporting agency is required to promptly delete the item. Despite having already removed it after an investigation, TransUnion 's decision to re-report the account is contrary to this provision. 

XXXX. Section 1681c ( a ) ( XXXX ) : This section requires credit reporting agencies to exclude obsolete or unverifiable information from a consumer report. The account in question is unverifiable, as evidenced by the previous investigation, and neither XXXX nor XXXX are reporting it. 

TransUnion 's re-reporting of inaccurate information has caused undue harm to my credit score and financial well-being. Given that this account was previously removed, I am deeply concerned that TransUnion is failing to maintain the integrity of my credit report and ensure it complies with federal law. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take action to ensure that TransUnion : XXXX. Permanently delete this account from my credit report. 

XXXX. Implements stronger procedures to ensure compliance with FCRAs accuracy and reinvestigation requirements. 

XXXX. Provides documentation confirming the deletion and steps to prevent future inaccuracies. 

Enclosed are the following documents for your review : A copy of my current credit report showing the re-reported account. 

Credit reports from XXXX and XXXX show no record of the account. 

Copies of correspondence between TransUnion and me regarding this issue. 


Thank you for your attention to this matter. I trust that your office will ensure a prompt resolution. 

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