Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
I am submitting this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), regarding a reinsertion violation of a fraudulent XXXX XXXX XXXXXXXX XXXX Store account # XXXX previously blocked and deleted. TransUnion received my identity theft dispute letter along with my FTC Identity Theft Report, 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 XXXX and 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 Store account. However, today, XX/XX/year>, past the FCRA XXXX statutory dispute timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; I discovered that the XXXXXXXX XXXX XXXXXXXX XXXX Store account had been improperly reinserted back onto my TransUnion credit file. 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 ( XXXX ) provide me with a mailed written notice of the reinsertion within XXXX 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 has failed to provide me with the furnishers certification and mailed written notice within XXXX business days as required by law. You also failed to comply with the XXXX statutory dispute investigation requirement under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Lastly, TransUnion has violated FCRA 1681e ( b ) ( 607 ( b ) which states that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy under consumer reports. Experian and Equifax blocked and permanently deleted the fraudulent XXXXXXXX XXXX  XXXX XXXX Store account with the identical evidence that I provided to you. These failures demonstrate Experians lack of compliance with the FCRA and have caused significant financial harm to me by keeping the fraudulent information and account on my credit report. These are serious violations of the FCRA and I reserve the right to pursue further action. Your company may avoid such action by immediately and permanently deleting this fraudulent account from my credit report.

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