Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, concerning their illegal and improper re-reporting of a previously deleted and charged-off auto loan account, which originated through XXXX. Despite the fact that this account was previously removed from all three major credit reporting agencies after being successfully disputed, it has now reappeared on my credit report without justification, in violation of multiple federal consumer protection laws. 

Background : The account in question was charged off and previously removed from my credit reports after proper disputes and investigations. 

I have already filed an FTC Identity Theft Report/Complaint documenting this issue. 

I am now escalating this matter through the CFPB because XXXX has reinserted this account without adhering to the legal procedures required under federal law. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) : Once an item has been deleted from a consumers credit file, the furnisher ( XXXX ) or the XXXX XXXX XXXX ( CRAs ) XXXX not reinsert the item unless they certify its accuracy and notify the consumer within XXXX business days of reinsertion. I did not receive any such notice, making this reinsertion unlawful. 

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnished to CRAs must be accurate and complete. Reporting a previously deleted and unverified account constitutes a willful act of false reporting.

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute from a CRA, XXXX furnisher must conduct an investigation and delete or correct any inaccurate information. XXXX has failed to comply with these duties. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) : Debt collectors may not communicate false credit information, including failing to communicate that a disputed debt is disputed. This re-reporting suggests willful misrepresentation and false credit communication.

FCRA 15 U.S.C. 1681b ( f ) : Obtaining or using consumer report information without a permissible purpose is a violation of the FCRA. If XXXX has pulled or accessed my credit file in relation to this reinserted account, they XXXX be in further violation. 

Requested Resolution : I am respectfully requesting the immediate and permanent deletion of this account from all consumer reporting agencies. This is not a dispute of the account balance or status it is a demand to remove an account that was already investigated, deemed inaccurate or unverifiable, and deleted. 

If this issue is not resolved promptly, I am prepared to : Seek damages and remedies under 15 U.S.C. 1681n and 1681o, which provide for civil liability, attorneys fees, and punitive damages for willful and negligent noncompliance ; Escalate the matter by seeking legal representation ; Continue submitting complaints through the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 

Thank you for your time and attention. I trust that your office will assist in ensuring that my rights under federal law are protected and enforced. 

Sincerely, All Rights Reserved XXXX XXXX XXXX XXXX XXXX

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