Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Subject : Formal Dispute of Unlawful Credit Reinsertion and Violation of FCRA Protections To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of an account on my consumer credit report that was previously removed due to identity theft. The reappearance of this account constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), codified in Title 15 of the United States Code ( USC ). This action contravenes established federal consumer protection laws and fails to comply with statutory procedures designed to ensure the accuracy and integrity of consumer credit information.

Violation of FCRA Laws Under 15 USC 1681c-2, once an account has been identified as fraudulent due to identity theft and removed from a credit report, it is explicitly prohibited from being reinserted unless strict procedural safeguards are followed, including : - Verification by the Furnisher : The entity reporting the information must provide credible, verifiable documentation confirming the account 's legitimacy. 
- Consumer Notification : The credit bureau must provide written notice to the consumer within XXXX business days of reinsertion, including the basis for the decision and supporting documentation. 
This reinsertion violates my rights because no such verification, documentation, or prior notification was provided before the account was unlawfully re-added to my credit file. 
Summary of Disputed Account and Prior Removal XXXX. Disputed Account Information : XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX ( charge-off ) - XXXX XXXX XXXXXXXX Account XXXX. XXXX ( charge-off ) XXXX. Confirmed Identity Theft and Prior Removal : - The above accounts were removed from my credit report on XX/XX/year>, following an official identity theft investigation that established their fraudulent nature. 
XXXX. Unlawful Reinsertion : - Despite their confirmed fraudulent status, these accounts have reappeared on my credit report without adherence to statutory reinsertion requirements under 15 USC 1681i ( a ) ( 5 ) ( B ). Statutory Violations Committed The reinsertion of these accounts represents noncompliance with multiple provisions of the FCRA, including : 1. Violation of 15 USC 1681c-2 ( b ) : - This statute prohibits reinsertion of previously blocked identity theft-related information unless : - The furnisher certifies the accuracy of the account through concrete evidence.

- The consumer is notified within five business days of reinsertion, including justification for the decision.

2. Failure to Provide a Proper Reinvestigation under 15 USC 1681i ( a ) ( 1 ) : - The credit bureau is required to conduct a fair and thorough reinvestigation of any disputedinformation.

- The reinvestigation must be completed within 30 days, with findings reported to the consumer.

3. Negligent and Willful Noncompliance ( 15 USC 1681n and 1681o ) : - Failure to adhere to FCRA standards subjects the credit bureau to liability for statutory and punitive damages.

Formal Demands In light of these violations, I am demanding the following corrective actions : 1. Immediate and Permanent Removal of the Disputed Account : - The unlawful reinsertion must be reversed immediately to restore the accuracy of my credit file.

2. Disclosure of All Supporting Documentation : - I request copies of any documentation, certifications, or communications used to justify this reinsertion. 
- This includes all correspondence between TransUnion and XXXX XXXX XXXXXXXX, as well as any reinsertion notices allegedly sent to me.

3. Comprehensive Investigation and Written Explanation : - A thorough and documented reinvestigation must be conducted in accordance with 15 USC 1681i ( a ) ( 1 ).

- A detailed, written response must be provided within 30 days, per legal requirements.

4. Assurance of Compliance with FCRA Regulations : - TransUnion must implement measures to prevent any future unlawful reinsertion of previously deleted identity theft-related accounts.

Notice of Intent to Escalate Legal Action Failure to comply with my lawful demands will leave me no choice but to escalate this matter by : - Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's Office in my state.

- Seeking legal recourse for damages under 15 USC 1681n and 1681o, including compensation for any financial and reputational harm caused by this violation.

I expect a written acknowledgment of receipt within five business days and a complete resolution within 30 days, as required by law. 
Failure to comply will force me to pursue all available legal remedies. Sincerely, XXXX XXXX XXXX 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