Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX FTC Report Number : XXXX In XX/XX/XXXX, I discovered a fraudulent public recorda bankruptcyappearing on my credit report. This entry, tied to identity theft involving the variation XXXX XXXX XXXX, was previously disputed and removed. However, in XX/XX/XXXX, the same bankruptcy record ( Court file # XXXX ) was reinserted into my credit report without any written notice or disclosure of the furnisher, as required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if previously deleted information is reinserted, the consumer reporting agency must notify the consumer within five business days and identify the source that certified the reinsertion. I received no such notice and was not provided with the name, address, or phone number of the furnisher. This reinsertion also ignored my prior FTC Identity Theft Report ( Report # XXXX ), which clearly documents the fraudulent nature of the information. 

This action constitutes a willful and negligent violation of the FCRA, has damaged my credit standing, and undermined my efforts to protect myself from identity theft. I am requesting immediate investigation, removal of the reinserted record, and enforcement action for these violations. 

1. Complaint Against : Credit Bureaus : XXXX, XXXX, and/or TransUnion Furnisher/Source XXXX XXXX XXXX XXXXXXXX ( XXXX account XXXX : XXXX ) XXXX. Nature of the Complaint : A fraudulent public record ( bankruptcy ) that had been previously disputed and deleted has been reinserted into my credit file without notice, violating the Fair Credit Reporting Act ( FCRA ). 



3. Violations of Law : FCRA 1681i ( a ) ( 5 ) ( B ) : If information that was previously deleted due to a dispute is reinserted, the consumer reporting agency must notify the consumer in writing within 5 business days and provide the name, address, and phone number of the furnisher that certified the informations accuracy.

FCRA 1681c-2 ( a ) : Consumers have the right to block fraudulent information resulting from identity theft. Such data must not be reinserted or resold unless certified by the furnisher.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not provide information that they know or have reasonable cause to believe is inaccurate.

FCRA 1681n & 1681o : Willful or negligent noncompliance with FCRA entitles the consumer to actual damages, statutory damages, and attorneys fees, as well as punitive damages for willful violations.

4. Details of the Fraudulent Entry : Furnisher Listed : U.S. Bankruptcy Court Account # : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Info : Bankruptcy tied to the identity theft of my name XXXX XXXX XXXX Notice : I never received a 5-day reinsertion notice as required under 1681i.

5. Requested Resolution : Immediate and permanent deletion of the fraudulent bankruptcy record from all credit bureaus.

Written disclosure of the furnishers name, address, and phone number that allegedly certified the reinsertion.

Correction of credit reports and scores, removing any damage caused by the false public record.

Investigation and enforcement action by the CFPB for FCRA violations.

Damages or regulatory penalties against the credit bureau ( s ) and any party responsible for the reinsertion without notice or legal basis.

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 explanation