Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
# Consumer Financial Protection Bureau Complaint * * Date : * * XX/XX/year> * * Consumer Financial Protection Bureau * * XXXX XXXX XXXX XXXX XXXX XXXX * * Re : Complaint Against TransUnion for Violations of the Fair Credit Reporting Act * * To Whom It May Concern : I am writing to file a formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to fraudulent accounts on my credit report that resulted from identity theft. 

# # Details of FCRA Violations # # # XXXX. Failure to Provide Reinsertion Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) TransUnion has violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by failing to notify me within XXXX business days after reinserting previously deleted information. Specifically, a fraudulent XXXX XXXX account that had been removed from my report as a result of my identity theft dispute on XX/XX/year>, was reinserted for the third time without any notification to me as required by law. 

The FCRA clearly states that when information previously deleted from a file is reinserted, the consumer reporting agency must : - Notify the consumer in writing within XXXX business days of the reinsertion - Include a statement that the disputed information has been reinserted- Provide the consumer with a statement of their right to add a statement disputing the accuracy of the information TransUnion failed to meet these legal obligations. 

# # # XXXX. Failure to Follow Proper Reinsertion Procedures ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ) ) The FCRA requires credit bureaus to maintain reasonable procedures designed to prevent the reappearance of previously deleted disputed information. TransUnion has now reinserted the same fraudulent account XXXX times, demonstrating a systematic failure to maintain such procedures. 

# # # XXXX. Failure to Complete Investigation Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA mandates that credit reporting agencies must complete an investigation of disputed information within 30 days of receiving notice of the dispute. If the information can not be verified within that timeframe, it must be deleted. 

Instead of adhering to this requirement, TransUnion, through its supervisor XXXX XXXX XXXX, simply initiated a new investigation rather than removing the disputed fraudulent items ( both the XXXX XXXX & XXXX XXXX XXXX account and the XXXX Card account ) when the XXXX period expired without verification. 

# # # XXXX. Failure to XXXX XXXX Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) As a victim of identity theft who has provided appropriate documentation, I am entitled to have information resulting from identity theft blocked from my credit report. TransUnion has repeatedly failed to honor this requirement by continuing to reinsert fraudulent information. 

# # Interaction with TransUnion Representative On XX/XX/year>, I spoke with a TransUnion XXXX named XXXX XXXX regarding these issues. The interaction was extremely concerning for the following reasons : XXXX. XXXX XXXX demonstrated a lack of knowledge regarding FCRA requirements and my rights as a victim of identity theft XXXX. XXXX XXXX laughed when I cited the specific FCRA provisions that protect American consumers XXXX. XXXX XXXX disregarded the XXXX investigation requirement and unilaterally decided to initiate a new investigation rather than removing the disputed items XXXX. XXXX XXXX appeared to be operating outside the United States, raising concerns about TransUnion 's training of overseas personnel on XXXX consumer protection laws # # Impact of These Violations As a victim of multiple identity theft incidents resulting from data breaches, I have been diligently working to maintain the accuracy of my credit reports. TransUnion 's repeated violations have caused : XXXX. Ongoing damage to my XXXX XXXX XXXX. Emotional distress and frustration XXXX. XXXX spent repeatedly disputing the same fraudulent accounts XXXX. Potential financial harm from denied credit opportunities # # Requested Resolution I demand that both fraudulent accounts ( XXXX XXXX & XXXX XXXX XXXX account and XXXX XXXX account ) be deleted immediately from my credit report. Additionally, I request that the CFPB take the following actions : XXXX. Investigate TransUnion 's violations of the FCRA XXXX. Ensure the immediate and permanent removal of these fraudulent accounts XXXX. XXXX TransUnion to implement proper procedures to prevent reinsertion of previously deleted fraudulent information XXXX. XXXX TransUnion to provide proper training to all representatives on FCRA requirements, especially those handling identity theft claims XXXX. Take appropriate enforcement action against TransUnion for these violations XXXX. XXXX TransUnion 's compliance with FCRA requirements for handling identity theft claims I am prepared to provide additional documentation regarding my identity theft claims and the history of these disputes with TransUnion. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX * * TransUnion XXXX 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