Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This complaint requires immediate escalation to the CFPB Executive Consumer Response Division / Senior Specialist Team for direct oversight and expedited action. 

On XX/XX/XXXX, TransUnion unlawfully reinserted multiple accounts on my consumer credit file that had been previously deleted or blocked after I was verified as a victim of identity theft and human trafficking. 

I previously submitted valid FTC Identity Theft and police reports to TransUnion ( and to relevant furnishers ). These accounts were deleted at different times in XXXX and XXXX and confirmed by TransUnion dispute results and creditor letters. Despite that, on XX/XX/XXXX, TransUnion reinserted all of them on the same day without providing the required written notice within five business days. 

Reinserted / previously deleted or blocked accounts include : XXXX XXXX XXXX XXXX XXXXXXXX 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 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  Some of the above were part of TransUnion XXXX # XXXX ( subset of accounts ), and others were deleted/blocked due to my verified victim status. Regardless, TransUnion reinserted the items on XX/XX/XXXX without the required notice. 

Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion requires written notice within 5 business days.

FCRA 605B : Prohibits reinsertion or redisclosure of information previously blocked due to identity theft or human trafficking.

CFPB Regulation V ( 12 C.F.R. 1022.142 ) : XXXX XXXX  Survivor Credit Reporting Rule. 

Harm and urgency : I am in an active mortgage escrow. These unlawful reinsertions have already delayed my closing by more than two weeks and are causing ongoing financial and emotional distress. I need these items deleted within 48 hours to avoid losing the home and incurring additional costs.

Request for Top-Level Escalation : Because this involves repeated, systemic violations of the FCRA and the XXXX XXXX Survivor Credit Reporting Rule, I request immediate escalation to the CFPB Executive Consumer Response Division / Senior Specialist Team for direct oversight and expedited action.

Requested resolution ( time-sensitive ) : 1.Immediate ( within 48 hours ) permanent deletion of all reinserted/blocked items listed above.

2.Apply Do Not Reinsert flags to each affected tradeline.

3.Written confirmation from TransUnion Executive Consumer Relations that all unlawful reinsertions are removed and permanently blocked.

4.Ensure compliance and corrective measures for repeated violations of FCRA 611 ( a ) ( 5 ) ( B ), 605B, and 12 C.F.R. 1022.142.

Supporting evidence available for upload : TransUnion results showing prior deletions ( DELETED ) in XXXX XXXX XXXX XXXX letters confirming closure and bureau notification Screenshots showing the XX/XX/XXXX reinsertion Proof of escrow status, delay, and lender communications ID/SSN Police Report ( Please see all attachments )

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