Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
The account in question is XXXX  XXXX XXXX ( XXXX ). I submitted a dispute for this account via mail in XX/XX/year>, and after review, it was properly deleted from my credit report. However, in XX/XX/year>, the same account reappeared on my TransUnion report without any prior notice, without the required certification of accuracy from the furnisher, and with XXXX documentation or explanation from TransUnion regarding the reinsertion. 


This reinsertion violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which clearly states that if a credit reporting agency reintroduces deleted information, it must first obtain certification from the furnisher affirming the accuracy and completeness of the data. The agency must also notify the consumer in writing within five business days of reinsertion. TransUnion did neither. I did not receive a reinsertion letter, I was not provided with the name or contact information of the furnisher, and I was not informed of any right to dispute the reappearance of this account. This omission constitutes a direct and willful violation of the FCRA. 


Further compounding this issue, the same account is not being reported by XXXX  or XXXX TransUnion. That inconsistency alone raises serious concerns about the reliability and accuracy of the data TransUnion is choosing to publish. Reporting an account that XXXX other major bureaus didnt, without providing written consumer consent or certified validation from the source, is reckless, misleading, and a violation of both 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ) and 15 U.S.C. 1681b ( 2 ) ( permissible purpose for furnishing information ). This account should not be present on my credit file under any legally acceptable standard, especially after it was already deleted once. 


Since XX/XX/year>, I have submitted multiple formal complaints regarding this unlawful reinsertion to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX  ( XXXX ), Office of the Comptroller of the Currency ( OCC ), and the FTC Fraud Division. Despite all of these complaints and the supporting documentation I provided, TransUnion has failed to take corrective action. They have not offered any explanation, nor have they shown any proof that the reinsertion was legally justified or verified. If TransUnion had a valid basis to reinsert this account, they were legally obligated to present it. The fact that they have not done so strongly suggests that no such basis exists. 


This type of negligent and noncompliant behavior directly undermines my rights as a consumer and causes ongoing harm to my credit profile, financial opportunities, and peace of mind. TransUnion must be held accountable for its continued FCRA violations. 


I am demanding the permanent deletion of this XXXX  XXXX XXXX account from my TransUnion credit report. I also request written confirmation that the account has been fully removed and will not be reinserted without certified documentation and proper notice in accordance with federal law. 


If TransUnion fails to comply with this request, I will escalate this matter further and pursue all legal remedies available under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

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