Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I, XXXX XXXX, submit this second formal complaint specifically against TransUnion for ongoing and willful violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). These violations include illegal reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide requested verification details, and failure to validate debts prior to continued reporting. 

Background & Violations Despite extensive efforts, including multiple certified disputes, police reports, and FTC identity theft affidavits, my credit report with TransUnion continues to contain fraudulent accounts, unauthorized inquiries, and incorrect personal information. These inaccuracies have been improperly investigated, unresolved, or unlawfully reinserted without validation, clearly violating : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Illegal reinsertion of previously deleted information without proper notification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide debt validation, including original signed contracts.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details of dispute findings.

15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts promptly after notification of identity theft.

FDUTPA 501.204 : Engaging in deceptive and unfair practices detrimental to consumer rights. 

Fraudulent Accounts & Unauthorized Reinsertions ( Specific to TransUnion ) : 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 XXXXXXXX ) Unauthorized Credit Inquiries ( Specific to TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information to be Immediately Corrected ( Specific to TransUnion ) : Names : " XXXX XXXX XXXX XXXX '' ; " XXXX, XXXX, XXXX '' ; " XXXX, XXXX '' Addresses : " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX '' ; " XXXX XXXX XXXX XXXX '' ; " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' Employer : " XXXX XXXX Related CFPB Legal Actions Against TransUnion : TransUnion ( XX/XX/year> XXXX : {$15.00} XXXX settlement for inaccuracies affecting consumer access to housing. 

This precedent clearly illustrates a pattern of willful noncompliance and negligence by TransUnion. My ongoing issues mirror these violations exactly. 

Demands for Immediate Resolution from TransUnion : Complete removal and permanent blocking of all disputed fraudulent accounts and unauthorized inquiries as mandated by 15 U.S.C. 1681c-2, 1681i, and 1692g. 

Immediate correction and deletion of all incorrect personal identifying information from my credit file pursuant to 15 U.S.C. 1681e ( b ).

Written confirmation detailing all corrections and updated credit report from TransUnion reflecting these changes as required under 15 U.S.C. 1

681i ( a ) ( 6 ). Comprehensive verification details, including original contracts, signatures, and supporting documentation in compliance with 15 U.S.C. 1692g ( a ) ( 4 ).

Full internal investigation of how these inaccuracies occurred and remained uncorrected despite clear evidence of fraud, with detailed findings provided in writing as stipulated by 15 U.S.C. 1681i.

Implementation of fraud alerts and additional identity theft protections as required under 15 U.S.C. 1681g ( e ). 

Assurance and enforcement by the CFPB preventing future reinsertion of disputed information without full legal validation under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Conclusion : The continued disregard by TransUnion for their legal obligations under federal and state law has severely damaged my financial credibility and caused significant emotional distress. Given the CFPBs previous enforcement against similar violations, I urge immediate intervention to enforce compliance, correct my credit records, and impose appropriate penalties for these willful and negligent violations pursuant to 15 U.S.C. 1681n and 1681o. 

Thank you for your urgent attention to resolving this matter fully and permanently. 

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