Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Formal Dispute of Unauthorized Re-Insertion of Previously Deleted Accounts I am writing to formally dispute the re-insertion of accounts that were previously removed from my credit report in violation of 15 U.S.C. 1681a-5 ( Fair Credit Reporting Act, FCRA ). Your agency has failed to follow the proper procedures for re-inserting previously deleted information, and I am demanding immediate corrective action.

According to 15 U.S.C. 1681a-5 ( FCRA Section 611 ( a ) ( 5 ) ( B ) ), if an account that was previously removed is later reinserted, the credit bureau must provide written notification to the consumer within XXXX ( XXXX ) business days, including the name of the data furnisher and certification that the information is accurate. 

I have not received any such notification, and therefore, this re-insertion is a direct violation of my rights under the FCRA. 

Details of the Unauthorized Re-Insertion Creditor Name : XXXX  XXXX Account Number : XXXX These accounts were previously deleted from my credit report after being disputed and found to be inaccurate, unverifiable, or otherwise not legally reportable. Your failure to notify me of their re-insertion demonstrates a lack of compliance with federal regulations and must be corrected immediately.

Legal Violations & Demand for Immediate Deletion 1. Failure to Provide Required Notice ( 15 U.S.C. 1681a-5 ) If any information that has been deleted from a consumers file is reinserted, the consumer reporting agency shall notify the consumer within XXXX business days of the reinsertion in writing. 

I never received the required notice, and this re-insertion was done without proper verification or certification by the data furnisher.

2. Violation of the Accuracy & Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ) A consumer reporting agency must delete information that can not be verified or is found to be inaccurate after a reinvestigation.

Since these accounts were previously found to be inaccurate or unverifiable, they should not have been reinserted without absolute proof of their accuracy.

3. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Every consumer reporting agency shall maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports.

Your agencys failure to follow FCRA re-insertion protocols indicates a lack of reasonable procedures to ensure accuracy.

Demand for Immediate Action I formally demand the following actions be taken immediately : 1. Permanently delete the reinserted accounts from my credit report.

2. Provide me with a written confirmation that the accounts have been removed and will not be reinserted again.

3. Provide a full explanation of why these accounts were reinserted without proper notification.

4. Disclose the name and contact details of the data furnisher who requested the re-insertion. 


This letter serves as final notice before legal action. I expect a written response within XXXX ( XXXX ) business days as required by law. 

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