Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Formal Complaint Improper Reinsertion, Inaccurate Reporting, and Failure to Conduct Reasonable Investigation under FCRA I am submitting this complaint regarding the inaccurate and unlawful reporting of a tradeline on my consumer credit file by XXXX, XXXX, and/or TransUnion, as well as the associated data furnisher. Factual Background : The account at issue was previously reported on my consumer credit file with a history of late payments and was ultimately charged off. After I disputed the account, it was deleted from my credit report. Subsequently, the same alleged debt was reinserted into my credit file, not as the original tradeline, but as a collection account. This reinsertion occurred without proper notice and under materially different reporting conditions. I have previously submitted disputes and complaints, including through your agency, and received responses indicating that the account was verified. However, no substantive documentation or evidence has been provided to support the accuracy or completeness of the information being reported. Violations : 1. Improper Reinsertion ( FCRA 1681i ( a ) ( 5 ) ) The account was reinserted after deletion without proper certification of accuracy and without the required notice being provided to me within five ( 5 ) business days. This is a direct violation of the Fair Credit Reporting Act. 2. Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) Despite multiple disputes, the credit reporting agencies failed to conduct a meaningful investigation. The repeated use of generic verified responses, without addressing the inconsistencies or providing documentation, demonstrates a lack of reasonable procedures. 3. Reporting of Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) The reporting of this account as a collection following deletion of the original tradeline creates a misleading and potentially duplicative representation of the same debt. The information being reported is inconsistent, incomplete, and unreliable. 4. Failure to Maintain Accurate Procedures Given the apparent transfer and re-reporting of this account, there are serious concerns regarding the integrity and reliability of the data being furnished and reported. Harm Suffered : As a result of this inaccurate reporting, I have suffered harm to my credit profile, including but not limited to reduced creditworthiness, potential denials of credit, and reputational damage as a consumer. Requested Resolution : I am requesting the following : - Immediate deletion of the improperly reinserted collection account from my credit file - A full reinvestigation with competent evidence, not automated verification - Written confirmation of the method of verification used - Identification of the party that certified the accuracy of the reinserted information - Assurance that this account will not be reinserted again without full compliance with the FCRA I expect a thorough and lawful response to this complaint. Continued reporting of inaccurate or unverified information will result in further action to enforce my rights under federal law.

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