Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
This complaint is being filed due to ongoing, willful, and unlawful violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, LLC, regarding the illegal reinsertion and false reporting of a previously deleted collection account. 

TransUnion has willfully violated multiple provisions of the FCRA including but not limited to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681e ( b ), 1681s-2 ( b ), and 1681i ( a ) ( 1 ) ( A ) by reintroducing deleted, inaccurate information onto my credit file without certification of accuracy, without written notice, and without lawful reinvestigation. 

The account in question involves XXXX XXXX XXXX ( XXXX ) referencing an alleged SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan ( Account ID XXXX, ending in XXXX ). This account was previously deleted after a prior CFPB complaint ( # XXXX ) but has now been unlawfully reinserted by TransUnion and is being reported as Open with an incorrect Open Date of XX/XX/XXXX and a balance of {$430.00}. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies its accuracy and the agency provides the consumer written notice of the reinsertion within five ( XXXX ) business days. TransUnion failed both obligations. I received no certification, no written notice, and no lawful explanation for this reinsertion. 

This reinsertion is illegal and deceptive because documentation from the furnisher ( XXXX ) provided in response to my previous CFPB complaint confirms that the alleged original account originated in XX/XX/XXXX, not XXXX. The documents clearly show : The original lender was XXXX, XXXX, not XXXX. 
The loan was made by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, as evidenced by the signed loan disclosure, arbitration agreement, and promissory note. 
An ACH revocation notice dated XX/XX/XXXX ( from XXXX XXXX XXXX XXXX ) proves the account was closed and inactive years ago. 

Despite this, TransUnion has knowingly reported this account as Open and Active with a fabricated XXXX open date. This constitutes re-aging, prohibited under FCRA 623 ( a ) ( 1 ) ( A ), and willful misreporting of account age and status to artificially damage my credit profile. 

Furthermore, TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy as required under FCRA 607 ( b ), and has continued to report materially false data even after receiving multiple disputes, in violation of 611 ( a ) and 1681s-2 ( b ). 

The NCAs own response letter ( dated XX/XX/XXXX ) admits they purchased the XXXX XXXX account on XX/XX/XXXX a claim unsupported by any bill of sale, chain of custody, or legal assignment documentation. Their submission lacks any evidence establishing ownership, authenticity, or lawful right to report this account. XXXX reliance on these unverified documents to reinsert this account constitutes reckless disregard for consumer rights under FCRA 616. 

The false open status and re-aged XXXX date materially misrepresent my credit history, inflate the accounts recency, and significantly reduce my credit score. This has caused quantifiable credit damage, financial harm, emotional distress, and reputational injury. 

XXXX conduct meets the definition of willful noncompliance under FCRA 616 and negligent noncompliance under 617, exposing them to statutory and actual damages, punitive damages, and attorneys fees. 

I am formally demanding the immediate and permanent deletion and future suppression of this account from my TransUnion credit file pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). Continued reporting of this account after receipt of this complaint will constitute a knowing and deliberate violation, warranting further legal and regulatory escalation. 

I do not admit to any alleged debt and do not consent to any continued unlawful reporting by TransUnion or XXXX XXXX XXXX. This complaint serves as formal notice of ongoing FCRA violations and a demand for immediate enforcement action by the Consumer Financial Protection Bureau.

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