Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Improper Reinsertion of Deleted Account and Failure to Investigate To Whom It May Concern : I am writing to file a formal complaint against TransUnion, one of the major consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ), which governs the reinsertion of previously deleted information, and 1681i ( a ) ( 1 ), which requires proper investigation of consumer disputes. 
After identifying inaccurate information on my credit report, I filed formal written disputes with TransUnion, providing supporting documentation and requesting that they investigate and remove the inaccurate account. TransUnion subsequently deleted the account from my credit report, and I received written confirmation from them verifying its removal. 
However, without any notice or explanation, this same account was reinserted into my credit report months later. This action directly violates the FCRA, which requires that a consumer reporting agency must notify the consumer in writing within five business days of any reinsertion of previously deleted information, including the name and address of the furnisher that provided the information. TransUnion has never provided such notice to me.

In addition, despite my repeated mailings of dispute letters and supporting documentation, TransUnion has failed to investigate or respond appropriately to my disputes. This demonstrates a pattern of negligence and disregard for consumer rights and federal law. 
Enclosed are the following documents for your review : TransUnions letters confirming the account deletion A copy of my XX/XX/year> credit report showing the account was not listed A recent credit report showing that the same account has been reinserted These actions by TransUnion have caused harm to my credit standing and constitute serious violations of the Fair Credit Reporting Act. I respectfully request that the Federal Trade Commission investigate TransUnions business practices and take appropriate enforcement action to ensure compliance with federal law and protection for consumers.

Please contact me if additional information or documentation is required. I appreciate your time and attention to this matter.

Sincerely, Attachments : Dispute letters sent to TransUnion TransUnion deletion confirmation letters XX/XX/year> credit report ( account deleted ) Current credit report ( account reinserted

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