Consumer complaint received 2025-03-13 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 writing to file a formal complaint against TransUnion and XXXX for the unauthorized reinsertion of accounts on my credit report. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) -1, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ).

Summary of the Situation : Despite previous disputes and clear communication indicating that the student loan accounts reported by XXXX were unauthorized and fraudulent, these accounts have been reinserted onto my credit report by TransUnion. I have no contract, agreement, or authorization with XXXX for any student loans. The continuous reporting of these accounts by XXXX is damaging my credit and is in violation of my rights. 

Violations and Concerns : Reinsertion without Proper Notification : Under 15 U.S.C. 1681i ( a ) -1, if a previously disputed item is reinserted into a credit report, the credit reporting agency must provide notice to the consumer within five business days. TransUnion failed to notify me of the reinsertion of these accounts, violating this provision. 

Failure to Provide Evidence : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any reinserted information must be verified as accurate. XXXX has not provided any documentation proving my consent to these loans or my agreement to any contractual terms with them or the U.S. Department of Education. Without proper verification, the reinsertion is unlawful. 

Aggravated Identity Theft : The unauthorized use of my personal information by XXXX constitutes Aggravated Identity Theft under 18 U.S.C. 1028A. XXXX continues to report these accounts without providing proof of my authorization or consent, further violating my rights. 

Violation of Permissible Purpose Requirements : According to 15 U.S.C. 1681b, information can only be furnished if there is a permissible purpose. Since I did not authorize these loans, XXXX has no permissible purpose to report them. 

Demands : Immediate removal of the unauthorized XXXX accounts from my TransUnion credit report. 

Written confirmation from TransUnion and XXXX verifying the removal of these accounts. 

Documentation from XXXX proving my consent or authorization for the creation and reporting of these accounts. If such documentation can not be provided, acknowledgment that these accounts are unauthorized.

Investigation into Nelnets reporting practices and potential criminal liability under 18 U.S.C. 1028A.

Should this issue not be resolved promptly, I will pursue all available legal remedies, including filing complaints with the Attorney Generals Office and seeking redress through legal channels.

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