Consumer complaint received 2024-08-26 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: TN

Complaint narrative:
On XX/XX/year>, I wrote to TransUnion to notify them that I am a victim of identity theft. In my letter, I provided a detailed list of accounts that were fraudulently opened in my name. In response, TransUnion initially removed these fraudulent accounts from my credit report.

However, within seven days, TransUnion reinserted these accounts into my credit report, claiming that they were allegedly verified as accurate. Despite my request, TransUnion failed to provide me with the method of verification or any documentation from the original creditors, including signed agreements that would prove these accounts were legitimately opened by me. 

XXXX XXXX XXXX # XXXX XXXX XXXX Additionally, there are discrepancies in the reported student loan balances across the three credit bureaus. XXXX shows a balance of {$5200.00}, TransUnion shows a balance of {$23000.00}, and XXXX shows a balance of {$2800.00}. These inconsistencies indicate that these companies are negligently reporting inaccurate information without consideration for the potential harm to consumers. If the information they report is meant to originate from the original source and creditor, it is puzzling that it is not consistent across all three bureaus. 

From my understanding as a consumer, Transunion is in violation of several sections of the FCRA including but not limited to, Section 611 ( a ) ( 6 ) ( B ) ( iii ) Duty to Provide Notice of Results of Reinvestigation : TransUnion is required to provide a notice of the results of their reinvestigation, including the name, address, and telephone number of any furnisher of information contacted in connection with such information and a statement that the consumer has the right to request a description of how the reinvestigation was conducted, including the business name and address of any furnisher of information contacted and the telephone number of such furnisher if reasonably available. TransUnion did not provide this information. 
Section 611 ( a ) ( 5 ) ( B ) Re-insertion of Previously Deleted Information : Under the FCRA, if TransUnion re-inserts previously deleted information into a consumer 's file, they must provide notice of the re-insertion to the consumer within five business days and include the business name and address of any furnisher of information contacted, as well as the procedure used to determine the accuracy and completeness of the information. TransUnion failed to supply me with this notice or any documentation to substantiate the re-insertion.

Section 611 ( b ) Consumer 's Right to Dispute Accuracy : As a consumer, I have the right to dispute the accuracy of information in my credit report. TransUnion is required to conduct a reasonable investigation and provide evidence to verify the accuracy of the disputed information. TransUnion has not provided me with any evidence, such as documents with my signature from the original creditor, proving that these accounts belong to me.

Section 609 ( e ) ( 1 ) Burden of Proof and Responsibility of the Credit Bureau : According to the FCRA, the burden of proof is on the credit reporting agency to report only accurate and verifiable information. Under the law, credit bureaus are solely responsible for ensuring that the information on consumer reports is true and accurate. XXXX actions of reinserting these inaccurate accounts into my credit report without proper verification violate this fundamental requirement.

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