Consumer complaint received 2025-04-10 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:
Subject : Complaint Regarding TransUnion 's Disclosure Error and Reappearance of Inaccurate Information on My Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint against TransUnion concerning two critical issues : 1. Unauthorized Disclosure of Another Consumer 's Credit Report : I recently received a credit report from TransUnion intended for another individual named XXXX XXXX, which erroneously included my address. Upon contacting TransUnion 's Special Handling Department, Supervisor XXXX informed me that a representative inadvertently sent this incorrect report due to managing multiple screens simultaneously. 

This incident constitutes a significant breach of privacy and a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Limits the circumstances under which consumer reporting agencies may furnish consumer reports, ensuring disclosures occur only for permissible purposes. Providing me with another individual 's credit report violates this provision. 

2. Reinsertion of Previously Deleted Inaccurate Information : Approximately ten days ago, I was informed that a ChaXXXXter XXXX bankruptcy ( Reference Number : XXXX ) and a collection account from XXXX XXXX XXXX XXXX XXXX amounting to {$8000.00} were removed from my TransUnion credit report. However, these inaccuracies have since been reinserted without proper notification. 

This action contravenes the FCRA 's reinsertion provisions : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits the reinsertion of previously deleted information unless the furnisher certifies its accuracy and the consumer reporting agency notifies the consumer within five business days of the reinsertion. I received no such notification. 

Requested Actions : 1. Investigation and Rectification : Conduct a thorough investigation into TransUnion 's practices regarding the mishandling of consumer credit reports and the unauthorized disclosure of personal information. 
Examine TransUnion 's procedures related to the reinsertion of previously deleted information and their compliance with FCRA requirements. 

2. Permanent Deletion and Blocking : Ensure the immediate and permanent deletion of the aforementioned XXXX  XXXX bankruptcy and the XXXX XXXX XXXX XXXX XXXX collection account from my TransUnion credit report. 
Implement measures to prevent the reinsertion of these inaccuracies in the future, as stipulated by 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information resulting from identity theft. 

3. Compliance Assurance : Confirm that TransUnion adheres strictly to the FCRA and other pertinent consumer protection laws to prevent future occurrences of such violations. 

Enclosures : Copies of correspondence with TransUnion regarding the unauthorized disclosure and reinsertion of information. 
Documentation evidencing the initial removal and subsequent reinsertion of the disputed accounts. 
Any additional relevant information supporting my complaint. 

Thank you for your prompt attention to this matter. I trust that the Federal Trade Commission and the Consumer Financial Protection Bureau will take the necessary steps to address these serious violations and ensure the protection of consumer rights. 

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 explanation