Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
48hr EMERGENCY CFPB intervention - TransUnion Illegal Reinsertions, Identity Theft Blocking Failure, Recorded Admission of No Furnisher Verification, and Ongoing Harm During Escrow ( REFERENCE : CFPB Complaint # XXXX ) This is an emergency complaint requesting immediate intervention because TransUnion is repeatedly and unlawfully reinserting identity-theft and XXXX-XXXX-related accounts into my credit report. This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the XXXX  XXXX  Survivor Credit Reporting Rule. 
It is causing active and ongoing financial harm because I am currently in mortgage escrow. 

This complaint should be linked to and reviewed alongside my existing CFPB complaint # XXXX, which is already open and under review. However, due to new, escalating violations and new evidence, I am filing a separate emergency complaint requiring direct CFPB action. 


1. First Illegal Reinsertion XX/XX/year> TransUnion reinserted numerous accounts that had been deleted or blocked in XXXX based on : My identity theft declaration My police report My XXXX XXXX documentation Prior TransUnion deletion results Fraud letters from furnishers On XX/XX/year>, TransUnion reinserted ALL of those accounts at once and failed to : Provide the required 5-day reinsertion notice Obtain any certification of accuracy Contact any furnisher Follow FCRA 611 ( a ) ( 5 ) ( B ) reinsertion requirements 2. Emergency Deletion After Review XX/XX/year> On XX/XX/year>, I spoke to a TransUnion supervisor who reviewed all of my documents ( identity theft report, police report, reinsertion notice, and XXXX XXXX documentation ). 
This supervisor deleted all disputed items immediately. 


3. Confirmed Deleted XX/XX/year> XXXX XX/XX/year>, all of the disputed accounts remained deleted. 


4. Second Illegal Reinsertion XX/XX/year> On XX/XX/year>, TransUnion again reinserted every deleted account, even though : They had just deleted them on XX/XX/XXXX They had just confirmed deletion on XX/XX/XXXX I was already a verified identity theft and XXXX victim They were already under CFPB complaint # XXXX review No furnisher was contacted. 
No reinvestigation was done. 
No certification of accuracy was obtained. 
No 5-day reinsertion notice was provided.

This is a second reinsertion violation, which indicates willful systemic noncompliance.

5. NEW EVIDENCE Recorded Admission From XXXX on XX/XX/year> On XX/XX/year>, on a recorded TransUnion call, a representative named XXXX ( XXXX ) admitted the following : 1.TransUnion did NOT contact any furnisher before ANY of the reinsertions on XX/XX/XXXX, XX/XX/XXXX, or at any point during reinvestigation. 
2.They reinserted everything because they decided my identity theft and XXXX documents were invalid, even though those same documents were accepted and used to delete all accounts on XX/XX/XXXX & XXXX. 
3.No reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) occurred.

4.No certification of accuracy was obtained as required under FCRA 611 ( a ) ( 5 ) ( B ) ( i ).

5.No 5-day reinsertion notice was provided as required under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

6.Identity theft protections under FCRA 605B were ignored.

This recorded admission is direct evidence of willful violations, triggering FCRA 616 & 617.

6. Federal Law Violations Involved TransUnion violated : FCRA 611 ( a ) ( 1 ) ( A ) No reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion FCRA 605B Failure to block identity-theft information within 4 days FCRA 607 ( b ) No reasonable procedures FCRA 616 Willful noncompliance 12 C.F.R. 1022.142 XXXX XXXX  Survivor Rule ( mandatory blocking + no reinsertion ) The repeat pattern ( deletion reinsertion deletion reinsertion ) indicates intentional misconduct. 


7. Active Mortgage Escrow Immediate Financial Harm I am currently in escrow and TransUnions actions have caused : Underwriting delays Increased loan conditions Potential loss of the property Escrow extensions Emotional and financial distress This constitutes actual damages under the FCRA.

8. Requested Emergency Action Within 48 Hours I request that the CFPB immediately require TransUnion to : 1.Permanently delete and block ALL identity-theft and XXXX-related accounts.

2.Apply Do Not Reinsert protections under 605B.

3.Provide full reinsertion audit logs and verification records.

4.Provide the name, address, and contact details for all furnishers TransUnion claims to have contacted TransUnion already admitted none were contacted.

5.Provide written confirmation from TransUnion Executive Consumer Relations.

6.Initiate supervisory investigation for repeated willful violations connected to CFPB Complaint # XXXX. 

This is an ongoing emergency affecting my housing and financial stability. 


I am requesting the CFPB immediately require TransUnion to : 1.Permanently delete and block ALL reinserted identity-theft and XXXX-related accounts.

2.Apply Do Not Reinsert flags to each affected account under 605B.

3.Provide full reinsertion audit logs, including timestamps and verification records.

4.Provide the name, address, and phone number of each furnisher TransUnion claims verified the information TransUnion already admitted they contacted none.

5.Provide written confirmation from TransUnion Executive Consumer Relations that all illegal reinsertions have been removed.

6.Investigate TransUnion for willful violations of : FCRA 611 ( a ) ( 5 ) ( B ) FCRA 605B FCRA 611 ( a ) ( 1 ) ( A ) FCRA 607 ( b ) 12 C.F.R. 1022.142 FCRA 616 ( willful noncompliance ) 6. List of Illegally Reinserted Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This is an emergency because I am in escrow and the unlawful reinsertions occurred twice, even after TransUnion deleted the items on XX/XX/year>. 

I am requesting immediate CFPB intervention.

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