Consumer complaint received 2025-05-07 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:
Subject : Request for Removal of Fraudulent Account and Notice of FCRA Violation XXXX XXXX XXXX To Whom It May Concern, I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( b ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as required by law. 

On XX/XX/year>, I noticed that XXXX XXXX XXXXXXXX account number XXXX was reinserted into my credit report without my knowledge or consent. This action violates FCRA Section 611 ( b ), which outlines the specific requirements for reinserting previously deleted information : ( i ) Certification of Accuracy of Information : The FCRA mandates that any information deleted from a consumers file under subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXXXXXX XXXX XXXXXXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to Consumer : Furthermore, the FCRA requires that if any information deleted from a consumers file is reinserted, the consumer reporting agency must notify the consumer in writing no later than 5 business days after the reinsertion. I did not receive any written notice from the credit bureau regarding the reinsertion of the XXXXXXXX XXXX XXXXXXXX account number XXXX into my credit report. 

( iii ) Additional Information : In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within 5 business days of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me.

It is evident that the credit bureau has failed to comply with the FCRA Section 611 ( b ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile.

Therefore, I kindly request that the credit bureau promptly rectifies this violation by : Immediately and permanently removing the reinserted XXXXXXXX XXXX XXXXXXXX account number XXXX from my credit report Ensuring strict compliance with the FCRA reinsertion guidelines in the future Providing a written confirmation of the actions taken to resolve this matter Please acknowledge receipt of this letter and confirm in writing that this issue is being addressed. I appreciate your prompt attention and look forward to a timely resolution.

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