Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
Im writing this because Ive absolutely had it with TransUnion. Im not just frustratedIm furious. TransUnion has reinserted accounts into my credit report that were previously deleted following valid disputesand they did so without notice, without explanation, and without any proper verification. The accounts in question are : XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXXXXX ). Let me be specific. TransUnion confirmed in writing that the XXXX account was deleted. I received formal deletion notices from TransUnion dated XX/XX/XXXX, and again on XX/XX/XXXX, confirming removal of the account. In XXXX, that same XXXX account has suddenly reappeared on my credit report. That is an unauthorized reinsertion. As for XXXX, TransUnion keeps responding with the same vague phrase : verified as accurateand they say the exact same thing for the XXXX account too. Yet theyve never provided any explanation or documentation to show how they allegedly verified anything. Just the same template response over and over again. 

To make it worse, they sent me the same generic letter ( see attached ) that includes a list of possible actions, and tells me that if I want to know what procedures were used, I have to request it separately. Excuse me? 15 U.S.C. 1681i ( a ) ( 7 ) says its your responsibility to send me that automatically when I ask for verification. Ive asked. Ive disputed. And youve ignored it. And now, beyond all that, TransUnion has taken it a step further by re-inserting a completely new account that had already disappeared months XXXX XXXX & XXXX ( XXXX ). This account has not appeared on my credit reports since XX/XX/XXXX, and now in XX/XX/XXXX, it suddenly reappears, completely unannounced. No notice, no reinvestigation result, no permissible purposejust back on my file like nothing ever happened. 

TransUnion is now in clear violation of multiple federal laws under the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ) No notice of reinsertion within five business days ; 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a description of the reinvestigation procedures ; 15 U.S.C. 1681e ( b ) These accounts are not being reported by XXXX and contradict XXXX records, showing that TransUnion is failing to maintain maximum possible accuracy ; 15 U.S.C. 1681b I never gave written consent or permissible purpose to re-report these accounts ; 15 U.S.C. 1666a Reporting unresolved or disputed delinquent accounts is unlawful ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) No meaningful reinvestigation was performed ; and 15 U.S.C. 1681n and 1681o These actions are clearly willful or negligent, both of which are actionable.

Let me make this absolutely clear again : I DO NOT CONSENT to the use of E-OSCAR or any other automated system to verify accounts. No vague summaries. No canned language. Show real proof or delete the accounts. This is not a request. This is a final demand. I want : permanent deletion of XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX a complete explanation of how and why each account was verified or reinserted ; the name, address, and phone number of each furnisher ; and copies of all documents TransUnion relied on to reinsert these accounts. 

I am also attaching the deletion confirmation letters for XXXX, my FTC Identity Theft Report, previous dispute records, and my XX/XX/XXXX credit report showing the reappearance of XXXX XXXX XXXX XXXX. If TransUnion can not resolve this matter immediately and lawfully, I am now asking CFPBs full support and enforcement to hold TransUnion accountable for these ongoing violations. Im requesting their help to ensure these accounts are permanently removed and my consumer rights are fully enforced under federal law.

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