Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
CFPB Complaint Letter ( for TransUnion ) Subject : Formal Complaint Improper Reinvestigation, Reinsertion Without Notice, and Failure to Block Fraudulent Accounts by TransUnion To Whom It May Concern, I am filing this complaint against TransUnion LLC for its failure to follow the law regarding two fraudulent accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) reporting a balance of {$3500.00} XXXX XXXX XXXX ( XXXX ) reporting a balance of {$30000.00} These accounts were opened without my knowledge or consent and are the result of identity theft. 

LEGAL DOCUMENTATION SUBMITTED On multiple occasions, I submitted all documents required under the Fair Credit Reporting Act ( FCRA ) to TransUnion, including : An FTC Identity Theft Affidavit A copy of my government-issued ID Proof of address A written request to block both accounts under FCRA 1681c-2 FCRA VIOLATIONS BY TRANSUNION Despite providing all of the above, TransUnion committed the following violations : 1. Failure to Block Under 1681c-2 TransUnion failed to block these fraudulent accounts from my report within 4 business days as required by FCRA 1681c-2 ( a ).

2. Illegal Reinsertion Without Notice 1681i ( a ) ( 5 ) ( B ) On July 6, 2024, both the CAF and GS Bank accounts were removed from my TransUnion report ( see " jXXXX XXXX trans - Deletion.pdf '' ). 

On XX/XX/year>, TransUnion reinserted both accounts ( see " XX/XX/XXXX Trans - Reinsertion.pdf '' ).

I was never notified in writing within five business days as required by 1681i ( a ) ( 5 ) ( B ) and 1681i ( a ) ( 6 ) ( B ) ( iii ).

This is an explicit reinsertion violation.

3. Failure to Ensure Accuracy 1681e ( b ) The XXXX account contains the following reporting errors : Listed as Open while also marked as Charged Off Shows a $ 0 monthly payment on a 72-month auto loan Dispute status comment : Information disputed by consumer, meets FCRA requirements even though it was not properly reinvestigated The XXXX XXXX  account : Is reported with a balance of {$3500.00} despite a credit limit of {$2500.00}, which is inconsistent Has contradictory comments : Charged off, Dispute resolved, and Account in collection These discrepancies show TransUnion is not maintaining maximum possible accuracy as required under FCRA 1681e ( b ).

4. Failure to Properly Reinvestigate 1681i ( a ) ( 1 ) ( A ) TransUnion did not conduct a reasonable reinvestigation after I disputed both accounts and submitted identity theft evidence. Instead, it continued reporting the accounts and merely added generic dispute language.

5. Disparate Treatment Compared to Other Bureaus Both XXXX  and XXXX  have permanently deleted these same accounts from my credit file bas
ed on the exact same documentation. TransUnions continued reporting of them is unjustified and harmful.

REQUEST FOR RESOLUTION I respectfully request the CFPB take action to compel TransUnion to : Immediately and permanently delete both the XXXX and XXXX XXXX XXXX XXXX tradelines from my file Provide written confirmation of removal Conduct an audit of its reinvestigation and reinsertion procedures for compliance with the FCRA Provide me with documentation of the furnishers investigation and response, if any Supporting Documents ( attached ) Police report FTC Identity Theft Affidavit ID and proof of address Dispute letters Credit reports showing : Presence of accounts as of XX/XX/year> Removal as of XX/XX/year> Reinsertion as of XX/XX/year> Current status as of latest IdentityIQ pull Thank you for your assistance. I am seeking a complete resolution in compliance with 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 explanation