Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion for its unlawful reinsertion and continued reporting of inaccurate, unverifiable, and fraudulent information on my credit report in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). 

On or around XX/XX/XXXX, I submitted a Validation of Debt request regarding several XXXX XXXX accounts listed on my TransUnion credit file. As of today, TransUnion has failed to provide any documentation or written communication showing that these accounts belong to me or proving their accuracy. According to FCRA Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item and notify the consumer of the results within XXXX days. TransUnion has not done so.

Furthermore, under FCRA Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], I have the right to receive all information in my file, including the sources and documentation used to verify any account reported. Despite multiple requests, TransUnion has failed to provide any verification or documentation from XXXX XXXX the furnisher of these accounts. This failure to provide proof or validation after several formal requests is unacceptable and unlawful. 

These XXXXXXXX XXXXl accounts were deleted from my credit profile in XX/XX/XXXX but have since been reinserted. Under FCRA Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], a consumer reporting agency is required to notify the consumer within five ( 5 ) business days of reinserting previously deleted information. TransUnion failed to send any such notice, which is a clear violation of federal law.

The continued reporting of these accounts which are unverified, inaccurate, and allegedly fraudulent is a breach of FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. 

This matter has caused significant harm to my credit profile, including denied credit opportunities, increased financial stress, and emotional distress. 

Additionally, an unauthorized inquiry by XXXX XXXX  was added to my TransUnion report on XX/XX/XXXX. I did not authorize this inquiry, which violates FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report. 

I also filed a CFPB complaint on XX/XX/XXXX ( Complaint # XXXX ), which remains open. CFPB guidelines allow XXXX  days for resolution, and that timeframe expires in XXXX  days with no response or corrective action from TransUnion. 

An FTC Identity Theft report has been filed and attached to support this complaint. I have also attached previous XXXX XXXX  Deletions proving they were reinserted. 

XXXX XXXX Accounts listed below Account # XXXX / Amount {$16000.00} Account # XXXX / Amount {$170.00} Account # XXXX / Amount {$4000.00} Account # XXXX / Amount {$2100.00} Account # XXXX / Amount {$890.00} Transunion dropped my score from a XXXX to a XXXX because of balances/late on these fraudulent accounts. Transunion putvremark codes on these accounts XXXX XXXX and removed at same time so that shows no investigation or validation from furnished was done. This is unethical and in violation of FCRA Laws. If this issue is not resolved immediately, I will be escalating this matter to the Attorney Generals Office and exploring legal 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