Consumer complaint received 2025-05-03 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: KY

Complaint narrative:
Subject : Formal Dispute of Unauthorized Re-Insertion of a Previously Deleted Account I am submitting a formal dispute regarding the unauthorized re-insertion of an account that was previously removed from my credit report. According to 15 U.S.C. 1681a-5 ( FCRA Section 611 ( a ) ( 5 ) ( B ) ), credit bureaus are required to follow strict procedures when re-inserting a previously deleted account, including : Providing written notice within five ( 5 ) business days of the re-insertion.

Identifying the creditor or data furnisher responsible for the re-insertion. 
Certifying that the account has been properly verified before being re-added. 

I never received such notification, meaning this re-insertion violates the Fair Credit Reporting Act ( FCRA ) and must be corrected immediately. 


Details of the Unauthorized Re-Insertion : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Originally Removed : { XX/XX/year> } Date of Re-Insertion : [ XX/XX/year> ] This account was previously deleted from my credit report because it was inaccurate, unverifiable, or not legally reportable. Your failure to notify me of its re-insertion demonstrates a lack of compliance with federal regulations, and I demand its immediate removal. 

Legal Violations & Demand for Immediate Deletion 1. Failure to Provide Proper Notice ( 15 U.S.C. 1681a-5 " If any information that has been deleted from a consumer 's file is reinserted, the consumer reporting agency shall notify the consumer within five business days of the reinsertion in writing. " I never received this required notification, meaning the re-insertion was done without proper verification and is legally invalid 2. Violation of the Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ) " A consumer reporting agency must delete information that can not be verified or is found to be inaccurate after a reinvestigation. '' Since this account was previously found to be inaccurate or unverifiable, it should not have been reinserted without absolute proof of accuracy.

3. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) " Every consumer reporting agency shall maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. '' Your failure to follow re-insertion protocols proves your agency lacks reasonable procedures to ensure the accuracy of consumer reports.

Demand for Immediate Action I formally demand that you : Immediately remove the reinserted account from my credit report.

Provide me with written confirmation that the account has been permanently deleted and will not be reinserted again.

Provide a full explanation of why this account was reinserted without the required notice.

Disclose the name and contact details of the data furnisher who requested the re-insertion.

Legal action under 15 U.S.C. 1681n for willful non-compliance, seeking statutory damages, punitive damages, and attorney fees.

This letter serves as final notice before legal action. I expect full compliance and a written response within five ( 5 ) business days as required by law. 

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