Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against TransUnion, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) regulations regarding credit reporting and reinvestigations. 

Unauthorized Re-Insertion of Deleted Account Without Notice : On XX/XX/year>, a XXXX account was successfully deleted and removed from my credit file with TransUnion. However, a few days later, the same account was reinserted without any written explanation provided to me within the 5 business days required by federal law. 

Violation of FCRA 611 ( a ) ( 5 ) ( B ) : This section mandates that if a deleted item is reinserted into a credit report, the credit bureau must notify the consumer in writing within five business days, and also must include the name, address, and phone number of the furnisher who verified the information. 

TransUnion failed to fulfill this obligation. 

Failure to Provide Method of Verification ( MOV ) : I requested the method of verification for the following accounts, which remain inaccurately reported on my credit file : XXXX XXXX  account XXXX account Despite five ( 5 ) written requests, TransUnion has failed to respond or provide any explanation of the method documentation or source used to verify these accounts.

Violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : This provision gives the consumer the right to request, within 15 days of receiving the results of a reinvestigation, a description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the dispute. 

Recorded Call Admission Denial of Verification Disclosure : On a recorded call, a TransUnion representative explicitly stated that TransUnion does not provide verification or the method of verification to consumers, and that I must instead contact the furnisher ( the company reporting the account ). This is a direct contradiction of FCRA 611 ( a ) ( 7 ) and CFPB guidelines, which require TransUnion to disclose this information upon request following a dispute resolution.

Pattern of Willful Noncompliance and Obstruction : TransUnion 's continued refusal to respond to my written MOV requests, their re-insertion of deleted data without notification, and their denial of statutory rights during a recorded call constitute willful noncompliance with the FCRA under : FCRA 616 : Willful noncompliance makes the agency liable for actual damages, punitive damages, and attorneys fees.

FCRA 623 and 607 ( b ) : These require that only accurate, complete information be reported, and that all reasonable procedures to ensure maximum possible accuracy are followed.

Violation of FTC & CFPB Rules : TransUnions actions also violate broader CFPB and FTC enforcement guidance regarding transparency, fairness in credit reporting, and consumer rights. Their refusal to supply the legally mandated verification procedure obstructs my right to correct inaccurate and unverifiable information.

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