Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I am submitting this formal complaint against TRANSUNION, LLC for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This complaint concerns two specific violations : ( 1 ) the unlawful reinsertion of previously deleted information without proper notice as required under FCRA 611 ( a ) ( 5 ) ( B ), and ( 2 ) the reporting of multiple unauthorized hard inquiries in violation of FCRA 604 ( a ), which governs permissible purpose requirements.

Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency that reinserts information previously deleted as a result of a consumer dispute must provide the consumer with written notice within five ( 5 ) business days of the reinsertion. This notice must also include the name, address, and telephone number of the furnisher of the information. TRANSUNION failed to issue any such written notification. The account at issue was previously deleted following a valid dispute but has since reappeared on my credit file without certification from the original data furnisher or required notice to me as the consumer. This reinsertion without adherence to the procedural safeguards outlined in the FCRA constitutes a clear violation of federal law. 

In addition, my credit report with TRANSUNION reflects several hard inquiries for which I did not provide authorization or consent. I have no existing accounts, applications for credit, or business relationships with the entities that initiated these inquiries. Pursuant to FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose, such as the consumers request for credit or insurance. TRANSUNIONs failure to ensure that these inquiries met the statutory threshold for permissible purpose demonstrates a breach of their obligations under federal law and a disregard for my rights as a consumer. 

Accordingly, I am demanding the immediate and permanent deletion of the reinserted account as well as all unauthorized inquiries from my credit file. I further request a detailed written explanation from TRANSUNION describing the internal compliance failures that led to these violations and the corrective measures being taken to prevent future occurrences. I urge the Consumer Financial Protection Bureau to investigate TRANSUNIONs compliance with the FCRA and evaluate whether its data handling practices meet the standards of accuracy, integrity, and accountability required by law.

If these issues are not resolved promptly and in full accordance with federal law, I am prepared to escalate this matter to the office of my State Attorney General and pursue all available legal remedies to protect my rights and hold TRANSUNION accountable.

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