Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In a previous complaint that is now closed, TransUnion responded to the complaint XX/XX/year> with a stall tactic in order to delay and not comply with Metro 2 and FCRA requirements. TransUnion responded with an insinuation that my complaint was not created or submitted by me, but by a third party which is false. They then closed out the complaint with no resolution. I wrote and submitted the previous complaint myself ; along with all previously attached supporting documentation and verification of my identity in that now closed dispute as well as this one. I am submitting this complaint against TransUnion for violated my rights with the Fair Credit Reporting Act and Metro 2. Regarding a reinsertion violation and a second unauthorized/uninitiated dispute of a fraudulent XXXXXXXX XXXX XXXX XXXX account # XXXX that was previously blocked and deleted. TransUnion received my initial identity theft dispute letter along with my FTC Identity Theft Report/Affidavit, all other supporting documentation and all required identity verification documentation through certified mail with a return receipt that they received on XX/XX/year> ( attached to this complaint ). I requested TransUnion to block and permanently delete all fraudulent accounts and inquiries per FCRA 15 U.S.C. 1681c-2. TransUnion blocked and deleted the fraudulent accounts and inquiries, including the XXXXXXXX XXXX XXXXXXXX XXXX XXXX account. However, back on XX/XX/year>, past the FCRA 30-day statutory dispute timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; I discovered that TransUnion allowed the furnisher to create an unauthorized and uninitiated dispute and then improperly reinserted the fraudulent XXXXXXXX XXXX XXXX XXXX XXXX  account back onto my TransUnion credit file. This conduct constitutes multiple violations of FCRA and Metro 2 standards including : FCRA 611 ( a ) ( 5 ) ( B ). The fraudulent XXXX XXXX XXXX XXXX XXXX  account, previously blocked due to identity theft, was reinserted without proper certification from the furnisher and the furnishers certification. Pursuant to FCRA 611 ( a ) ( 5 ) ( b ) ( iii ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( b ), TransUnion was mandated to : ( 1 ) obtain a certification from the furnisher that the information was accurate and was not the result of fraud before any reinsertion and ( 2 ) provide me with a mailed written notice of the reinsertion within five business days that must contain a statement that the disputed information has been reinserted, the business name, address, and phone number of the furnisher of the information and notice of the consumer 's right to add a statement to their file disputing the accuracy or completeness of the reinserted information. TransUnion failed to provide me with the furnishers certification and mailed written notice within 5 business days as required by law. Metro 2 Violations of : Improper Use of Compliance Condition Code ( XB / Disputed by Consumer ) Metro 2 requires dispute coding to reflect a valid dispute initiated by the consumer. This account was coded as disputed without my authorization, violating Metro 2 standards. Incorrect Reinsertion of Previously Blocked Account. 1. ) Metro 2 guidelines prohibit reinsertion of blocked/deleted accounts without proper certification and CRA procedures . The rapid reinsertion without a written notice and furnishers certification suggests failure to follow Metro 2 reinsertion protocols, creating inaccurate consumer reporting. 2. ) Failure to Maintain Accurate Metro 2 Data, publishing an unauthorized and uninitiated dispute flag constitutes a violation of the Metro 2 accuracy requirements used by furnishers and CRAs to ensure reliable credit reporting.

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