Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
1. XX/XX/year> TransUnion reinserted the deleted account onto my credit report. ( evidence uploaded ) 2. XX/XX/year> XXXX XXXXXXXX acknowledges my identity theft dispute in response to a Consumer Financial Protection Bureau ( CFPB ) complaint. ( evidence uploaded ) If XXXX XXXX was still investigating my identity theft claim on XX/XX/year> they could not have verified the debt to TransUnion before then on XX/XX/year>. 

Reinsertion without verification : TransUnion has violated the FCRA ( 611 ( a ) ( 5 ) ( B ) ) by re-reporting a previously deleted account without notifying me in writing. 
TransUnion verified a fraudulent debt before XXXX XXXX completed its own investigation, which is a violation of FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ). 
Possible fraud : If XXXX XXXX told the CFPB it wasnt reporting the account but allowed TransUnion to reinsert it, thats deceptive and could be unfair business practices under CFPB regulations. 

I am formally disputing the fraudulent reinsertion of an account on my credit report. The following violations have occurred : 1. FCRA Violations by TransUnion : Unauthorized Reinsertion of a Deleted Account ( 611 ( a ) ( 5 ) ( B ) ) : My credit report previously had this account removed, yet it was reinserted on XX/XX/year>, without proper written notice. 

Reporting of an Inaccurate Account ( 623 ( a ) ( 1 ) ) : The account in question resulted from identity theft, and XXXX XXXX own correspondence ( dated XX/XX/year> ) confirms they were still investigating. Thus, they could not have properly verified the debt prior to this date. 

2. FCRA & FDCPA Violations by XXXX XXXXXXXX : Failure to Properly Investigate Identity Theft ( 605B, 611 ( a ) ) : Despite my identity theft claim, XXXX XXXXXXXX reported this fraudulent account before completing their investigation, as evidenced by their XX/XX/XXXX letter. 
Furnishing False Information to a Credit Bureau ( 623 ( a ) ( 1 ) ) : XXXX XXXXXXXX provided inaccurate or unverified information to TransUnion, harming my credit. 
Deceptive & Unfair Practices ( CFPB Regulations ) : XXXX XXXXXXXX told me and the CFPB that they were not reporting this account, yet it appeared on my credit file. This is deceptive and could warrant further legal action. 

Requested Resolution:1. Immediately delete the fraudulent XXXX XXXX account from my credit report. 
2. Provide written confirmation that the account will not be reinserted. 
3. XXXX XXXX must provide documentation showing how they verified the account before XX/XX/XXXX, or formally acknowledge the reporting was in error. 
4. If these requests are not met within 15 days, I will escalate this matter to the FTC, and my state attorney general, as well as explore legal options for damages under the FCRA and FDCPA. 

This letter serves as official notice of FCRA and FDCPA violations. If corrective action is not taken, I am prepared to take further action.

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