Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
Subject : XXXX XXXX XXXX TransUnion for FCRA XXXX, Deceptive Practices, and Reinsertion of Previously Deleted Information Dear CFPB Representative, I am writing to formally escalate my complaint against TransUnion, regarding persistent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the resultant harm to my financial stability, emotional well-being, and reputation. 
Detailed Description of Violations : XXXX. Repeated Reinsertion of Previously Deleted Fraudulent Accounts : TransUnion initially deleted the account from XXXX XXXX after verifying my submitted identity theft affidavit and police report, as required under FCRA XXXX. However, TransUnion unlawfully allowed XXXX XXXX to reinsert this account without notification, violating FCRA XXXX ( a ) ( XXXX ) ( B ), which explicitly states that previously deleted information can not be reinserted without prior written notice and certification of accuracy from the furnisher. 
Supporting Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), established the duty of CRAs to notify consumers promptly when previously deleted information is reinserted. 
Additionally, TransUnion inaccurately reports the XXXX XXXX XXXX XXXX account, despite my clear documentation of identity theft, including an FTC Identity Theft Affidavit and police report. Their refusal to block or remove this account violates FCRA XXXX, which mandates blocking of fraudulent information upon receipt of valid identity theft documentation. 
XXXX. Misrepresentation of Identity Theft Documentation Requirements : TransUnion falsely claimed my FTC Identity Theft Affidavit and police report were insufficient and demanded completion of a TransUnion-specific affidavit, despite the fact that federal law ( 15 U.S.C. 1681c-2 ) clearly outlines acceptable documentation. They provided no legitimate legal justification for dismissing federally recognized documentation, constituting deceptive practices under FCRA XXXX. 
XXXX. Failure to Correct Inaccurate Personal Information : TransUnion has consistently failed to remove incorrect personal information such as addresses and employment history, despite multiple requests supported by valid documentation. This failure violates FCRA XXXX ( a ), requiring accurate reinvestigations and prompt corrections of inaccurate or unverifiable information. 
XXXX. Systematic Denial of XXXX XXXX : TransUnion has repeatedly denied me access to dispute processes via telephone and online systems, falsely claiming they can not verify my identity, despite my correct identification submissions ( social security card, government-issued ID, and recent utility bill ). Their inability or refusal to verify my identity through their internal questions, which reference accounts or information unrelated to me, effectively denies me my lawful right to dispute under FCRA XXXX. 
XXXX XXXX and XXXX XXXX XXXX : XXXX repeated violations have significantly harmed me by : * Lowering my XXXX XXXX unjustly. 
* Preventing my ability to secure credit and financial products. 
* Causing extensive emotional distress, mental anguish, frustration, and anxiety due to their continuous non-compliance and deceptive practices. 
* Damaging my reputation through the continued reporting of fraudulent accounts. 
Requested Actions from CFPB : XXXX. Immediate Enforcement of FCRA Compliance : * Demand TransUnion permanently block and remove fraudulent accounts, particularly : * XXXX XXXX ( previously deleted and unlawfully reinserted ) * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX * Correct or remove all inaccurate personal information immediately. 
XXXX. Documentation and XXXX Transparency : * Require TransUnion to provide detailed, written proof and direct documentation from creditors that purportedly verified the disputed accounts. 
XXXX. Accountability for Reinsertion Violations : * Investigate and address XXXX unlawful reinsertion practices as per FCRA XXXX ( a ) ( XXXX ) ( B ). 
* Hold TransUnion accountable for deceptive practices as per the precedent set in XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where courts ruled CRAs liable for damages for failing to follow reasonable procedures ensuring accuracy and for improper reinsertion. 
XXXX. Financial Compensation : * Require TransUnion to compensate {$10000.00} for XXXX XXXX XXXX XXXX XXXX  and damage to my creditworthiness, in accordance with previous awards under the FCRA for similar misconduct ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supporting compensation for emotional distress ). 
XXXX. Enhanced XXXX : * CFPB should closely monitor XXXX handling of my case and impose regulatory sanctions to ensure compliance and prevent further violations. 
I have provided all required documentation multiple times, including FTC Identity Theft Affidavits, police reports, and identification documents, fully complying with 15 U.S.C. 1681c-2 and XXXX. 
I urge the CFPB to take immediate action to rectify XXXX XXXX repeated noncompliance, prevent further harm to my credit and financial standing, and enforce accountability under federal law. 
Thank you for your urgent attention and support. 
Respectfully, 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