Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
Account in question : # XXXX XXXX ( XXXX XXXX ) -- - Complaint Summary : I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including illegal reinsertion of deleted data, inaccurate reporting, and failure to conduct a reasonable investigation in connection with the XXXX account , which had previously been removed from my credit file. 


-- - Details of Violations : 1. Illegal Reinsertion Without Proper Notice TransUnion reinserted the above-referenced account without sending me the written notice required within 5 business days, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

2. No Certification of Accuracy from the Furnisher There is no documentation proving that XXXX XXXX  ( the furnisher ) certified the information as accurate prior to reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ).

3. Inadequate Investigation TransUnion responded to my multiple disputes by marking the account as verified without presenting any proof or documentation of a reasonable reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4. Contradictory and Inaccurate Reporting TransUnion reports the account as Paid or paying as agreed and Closed, while also reporting late payments and Charge-Off status. 

It lists a {$1100.00} balance with payment dates after the reported closure, which is factually and legally inconsistent. 

These inaccuracies violate 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and up-to-date information.

5. Violation of the 21-Day Rule ( Regulation Z 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ) I have not received any periodic statements at least 21 days before the alleged due dates. Without this proof, reporting any late payments is unlawful under the Truth in Lending Act ( TILA ).

6. History of Prior CFPB Complaints I have submitted at least three prior complaints to the CFPB concerning this same account. TransUnion has continued to violate FCRA reinvestigation and reinsertion provisions without providing any documentation or evidence. 




-- - Legal Precedents Pattern of Noncompliance : TransUnion has a documented history of violating the FCRA, including but not limited to : Ramirez v. TransUnion ( U.S. Supreme Court, 2021 ) : The Court upheld damages for FCRA violations related to misleading credit files ; over {$60.00} XXXX was awarded. 

CFPB v. TransUnion ( XXXX ) : TransUnion was fined {$5.00} XXXX and ordered to pay {$13.00} XXXX in restitution for deceptive practices and FCRA noncompliance. 

FTC v. TransUnion ( XXXX ) : TransUnion paid {$2.00} XXXX for failing to ensure accuracy in consumer files. 


This behavior indicates a systemic pattern of unlawful practices.

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