Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am filing this urgent and escalated complaint with the Consumer Financial Protection Bureau ( CFPB ) to demand swift, decisive investigation and severe enforcement action against Experian, TransUnion, and XXXX  XXXX for their deliberate, flagrant, and unconscionable XXXX  illegal reinsertion of a fraudulent XXXX  XXXX credit card account ( ending in XXXX ) on my credit reports, despite XXXX prior removals as verified fraudulent through my FTC Identity Theft Reports. This account, opened fraudulently on XX/XX/XXXX, has been repeatedly reinserted without any semblance of verification, furnisher certification, or required notice, inflicting catastrophic and irreparable harm to my credit score, financial stability, emotional health, and daily life. This is not an isolated error but a blatant, systemic pattern of willful noncompliance that borders on criminal facilitation of identity theft, and I will not stand idly by while these entities flagrantly disregard federal law for the fourth time.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC Identity Theft Report as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. 

ACCOUNTS : - XXXX  XXXX credit card account ending in XXXX ( fraudulently opened XX/XX/XXXX ; discovered XX/XX/XXXX ; fraud began XX/XX/XXXX ; closed with derogatory status as charged off/bad debt ; removed XXXX times under FTC Reports but illegally reinserted for the fourth time without verification or notice. 

This fourth reinsertion represents an egregious and willful violation of : - * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * * : This section unequivocally mandates that CRAs block fraudulent information identified via a valid identity theft report within XXXX business days. Despite repeated submissions of my FTC reports ( Numbers XXXX and XXXX ), these entities have defiantly failed to block or permanently excise this account, allowing its XXXX reappearance and perpetuating devastating harm. This repeated defiance is unconscionable and demands the imposition of maximum civil penalties, including fines per violation. 
- * * FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) * * : This provision strictly prohibits reinserting previously deleted disputed information without furnisher certification of accuracy and providing the consumer with written notice, including furnisher contact details. For this XXXX  reinsertion no certification, verification, or notice has been provided, evidencing a deliberate and malicious pattern of lawbreaking that warrants punitive measures and potential criminal referral. 
- * * FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) * * : Requires thorough and reasonable reinvestigation of disputes, which has been utterly ignored despite my multiple, well-documented disputes.

- * * FDCPA ( 15 U.S.C. 1692e & f ) * * : Forbids false, deceptive, or unfair debt representations, as this account falsely portrays a debt I never incurred due to identity theft.

- * * Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ) * * : Criminalizes these deceptive practices, entitling me to treble damages and state enforcement. 

This fourth illegal reinsertion, following XXXX successful removals, exposes a shocking and intentional scheme by the CRAs and XXXX XXXX to evade their legal obligations, prioritizing profits over consumer protection. I demand that the CFPB : XXXX. Initiate an immediate, comprehensive investigation Experian, TransUnion, and XXXX XXXX for these repeated, willful FCRA violations, including audits of their dispute handling systems. 
XXXX. Enforce the blocking and PERMANENT, IRREVOCABLE deletion of this account and all related inquiries within XXXX business days under 1681c-2, with strict prohibitions against any future reinsertion.

XXXX. Compel full, unredacted disclosure of all " verification '' processes ( or admissions of none ) for each of the XXXX reinsertions, including internal communications between CRAs and the furnisher. 
Impose the severest penalties available, such as substantial fines, operational injunctions, and referral to the Department of Justice for criminal prosecution under identity theft facilitation laws ( 18 U.S.C. 1028 ). I also reserve the right to pursue class-action litigation if similar patterns affect other victims.

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