Consumer complaint received 2024-12-11 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: MA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Credit Reporting Agency Involved : Transunion Account in Question : XXXX Account # XXXX Complaint Details : This complaint addresses Transunion violation XXXX the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/2024, I discovered that the XXXX account number XXXX, which had been previously removed from my credit report, was reinserted without proper notice or certification of accuracy. This action violates the FCRA requirements for reinsertions as outlined below : Failure to Obtain Certification of Accuracy : The FCRA mandates that any information previously deleted from a consumers file may not be reinserted unless the furnisher certifies that the information is complete and accurate. Transunion has failed to provide evidence that it obtained certification of accuracy from XXXX before reinserting this account. 


Failure to Notify the Consumer : The FCRA requires that if any information previously deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of this account into my credit report. 


Failure to Provide Additional Information : The FCRA also mandates that the consumer reporting agency provide the following information within five ( 5 ) business days of reinsertion : A statement that the disputed information has been reinserted.

The business name and address of any furnisher of information contacted.

A notice that the consumer has the right to add a statement disputing the accuracy or completeness of the reinserted information. 
XXXX failed to provide any of this required information. 



Request for Resolution : Immediate removal of the XXXX account number XXXX from my credit report as its reinsertion violates FCRA Section 611 ( B ). 
Confirmation from XXXX that this account has been permanently deleted and will not be reinserted in the future without following the FCRA 's requirements. 
An investigation into Transunion failure to adhere to the FCRA guidelines for reinsertion and assurance that similar violations will not occur in the future. 

Escalation of Complaint : XXXX failure to comply with FCRA Section 611 ( B ) has caused significant harm to my credit profile and has violated my rights as a consumer. If this issue is not resolved promptly, I may pursue further actions, including legal recourse and additional complaints to other regulatory bodies.

I request that the CFPB intervene to ensure that Transunion adheres to the FCRA and resolves this matter in a timely and compliant manner. 
Thank you for your assistance in addressing this serious issue. 
Sincerely, XXXX 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