Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Subject : Formal Complaint for Violation of the FCRA and Demand for Immediate Removal of Reinserted Account Dear CFPB, I am submitting a formal complaint against [ CREDIT BUREAU NAME ] for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically involving the reinsertion of a previously deleted account. This account was reintroduced into my credit file without proper notification, certification, or verification, in direct violation of several provisions of the FCRA. 

Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Original Date of Removal : XXXX/XXXX/XXXX  XX/XX/year> Date of Reinsertion : XX/XX/year> XX/XX/year> Background : On XX/XX/year>, I submitted a dispute concerning the account listed above due to reporting inaccuracies. After a thorough investigation, the Credit Bureau removed the account from my credit file on XXXX/XXXX/XXXX  XX/XX/year>. I have attached the official deletion notice as proof. 
However, on XX/XX/year> XX/XX/year>, I discovered that the same account had been reinserted into my credit report without any prior notice or proper certification of accuracy, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

Violations of the FCRA Include : 1. Section 611 ( a ) ( 5 ) ( B ) Reinserted items must be verified and certified as accurate. [ CREDIT BUREAU NAME ] failed to provide this certification.

2. Section 623 ( a ) ( 3 ) Requires the correction and updating of previously disputed information before reinsertion. This was not done.

3. Section 611 ( d ) Requires written notification within XXXX business days of reinsertion. No such notice was provided.

4. Section 607 ( b ) Requires procedures to ensure the maximum possible accuracy of consumer reports. The reinsertion of incorrect data indicates a breach of this duty.

Harm Caused : As a direct result of these violations, I have suffered : A significant drop in my credit score Emotional distress and unnecessary time spent resolving this matter An impediment to my ability to secure a mortgage for my family This unjust reinsertion continues to interfere with my efforts to purchase a home and represents a serious violation of my rights.

Request for Immediate Action : With your support, I request that TransUnion take the following steps : 1. Immediate removal of the reinserted account from my credit report 2. Written confirmation that the account has been deleted and will not be reinserted unless properly verified 3. A full investigation into TransUnion reinsertion practices 4. XXXX that my FCRA rights will be upheld XXXX. Compensation for the damages incurred as a result of this violation, including adverse effects on my credit score and financial standing.

Please confirm receipt of this complaint and inform me of the actions your office will take to ensure this matter is resolved according to the law. I appreciate your attention to this issue and trust in a prompt resolution. 
Sincerely, 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