Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Formal Complaint for Violation of the FCRA and Demand for Immediate Removal of Reinserted Account Dear CFPB, I am submitting a formal complaint against [ CREDIT BUREAU NAME ] for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically involving the reinsertion of a previously deleted account. This account was reintroduced into my credit file without proper notification, certification, or verification, in direct violation of several provisions of the FCRA. 

XXXX Account Information : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Date of Removal : XX/XX/year> XX/XX/year> Date of Reinsertion : XX/XX/year> XX/XX/year> XXXX Account Information : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Original Date of Removal : XX/XX/year> XX/XX/year> Date of Reinsertion : XX/XX/year> XX/XX/year> Background : On XX/XX/year>, I submitted a formal dispute to TRANSUNION due to inaccuracies reported in the above-referenced account. Following its investigation, the bureau removed the account from my credit report on XX/XX/year> - XX/XX/year>, and provided confirmation of the deletion ( see attached proof ). 
However, XX/XX/year> - XX/XX/year>, I discovered that the same account was reinserted into my credit file. This action was carried out without any prior notification or proper verification, which directly violates key sections of the FCRA. 

Violations of the FCRA Include : 1. Section 611 ( a ) ( 5 ) ( B ) Reinserted items must be verified and certified as accurate. [ CREDIT BUREAU NAME ] failed to provide this certification.

2. Section 623 ( a ) ( 3 ) Requires the correction and updating of previously disputed information before reinsertion. This was not done.

3. Section 611 ( d ) Requires written notification within five business days of reinsertion. No such notice was provided.

4. Section 607 ( b ) Requires procedures to ensure the maximum possible accuracy of consumer reports. The reinsertion of incorrect data indicates a breach of this duty. 

Harm Caused : As a direct result of these violations, I have suffered : A significant drop in my credit score Emotional distress and unnecessary time spent resolving this matter An impediment to my ability to secure a mortgage for my family This unjust reinsertion continues to interfere with my efforts to purchase a home and represents a serious violation of my rights.

Request for Immediate Action : With your support, I request that TRANSUNION take the following steps : 1. Immediate removal of the reinserted account from my credit report 2. Written confirmation that the account has been deleted and will not be reinserted unless properly verified 3. A full investigation into TRANSUNIONs reinsertion practices 4. Assurance that my FCRA rights will be upheld XXXX. Compensation for the damages incurred as a result of this violation, including adverse effects on my credit score and financial standing. 

Please confirm receipt of this complaint and inform me of the actions your office will take to ensure this matter is resolved according to the law. I appreciate your attention to this issue and trust in a prompt resolution. 
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