Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
I am submitting this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the improper reinsertion of previously disputed information, failure to provide timely notice as required by law, and noncompliance with XXXX XXXX reporting standards. 

On XX/XX/year>, TransUnion received my theft dispute regarding the fraudulent XXXX XXXX Department XXXX account and other fraudulent accounts. FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion was XXXX to block this account from my credit file. Following the completion of this dispute, the account was blocked and removed from my TransUnion credit report that I viewed online when it updated. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ), TransUnion is required to complete a investigation/reinvestigation of any disputed information and provide written notice of the results within 30 days of receiving a dispute. 

Despite this clear statutory requirement, TransUnion improperly reinserted the XXXX XXXX account XXXX my credit report on XX/XX/year>, without any prior written notice and without providing the results of the reinvestigation. This reinsertion occurred outside the legally mandated timeframe, denying me the timely disclosure to which I am entitled under federal law. I subsequently submitted a CFPB complaint regarding this improper reinsertion on XX/XX/year> under CFPB Complaint ID # XXXX. On that same day, TransUnion generated a written notice of the reinsertion, which I received today, XX/XX/year>. This action demonstrates a violation of the XXXX statutory period, as the notice was generated only after my complaint and well past the required timeframe, effectively circumventing the protections of the FCRA. 

In addition, the notice itself was generic and insufficient. It fails to disclose the furnishers certification including the specific basis for the reinsertion, the verification process used, the communications and documentation reviewed. This constitutes a violation of 15 U.S.C. 1681i ( a ) ( 6 ), which requires a consumer reporting agency to provide a clear explanation of the investigation and furnish the contact information of the data furnisher. Furthermore, XXXX failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit file violates 15 U.S.C. 1681e ( b ). 

XXXX actions are inconsistent with XXXX XXXX reporting standards. Reinsertion of previously deleted information must include accurate dispute codes, proper date stamps, and clear consumer identifiers. The combination of delayed notice, lack of furnishers certification, insufficient disclosure, and lack of procedural transparency demonstrates noncompliance with these standards, further undermining the accuracy and integrity of my credit report. I reserve the

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