Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
Subject : Formal FCRA Dispute Illegal Reinsertion, Re-Aging, False Dispute Remarks, and Improper Verification of Reinserted Account To Whom It May Concern, I am writing to dispute a collection account that is being reported in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). The account in question was originally reported by XXXX XXXX XXXX, deleted from my TransUnion credit file in XX/XX/XXXX, and has now been reinserted under a new name, XXXX XXXX, as of XX/XX/XXXX, with a supposed verification in XX/XX/XXXX. 

Key Details of the Violation : Original Collector : XXXX XXXX XXXX Deleted XX/XX/XXXX Reinserted As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Appeared XX/XX/XXXX Original Creditor XXXX XXXX XXXX Date Opened ( XXXX XXXX ) : XX/XX/XXXX Reported Removal Date : XX/XX/XXXX Dispute Remark : Previously in dispute now resolved ( No dispute ever submitted with XXXX XXXX ) Violations of the Fair Credit Reporting Act : 1. Unlawful Reinsertion Without Notice 611 ( a ) ( 5 ) ( B ) Once an account is deleted due to a dispute, it can not be reinserted into a credit report without notifying the consumer within five ( 5 ) business days. I never received notice from TransUnion regarding the reinsertion of this item in XX/XX/XXXX. 

2. Illegal Re-Aging of Debt XXXX ( c ) The XXXX XXXX account lists a new open date of XX/XX/XXXX, which is clearly an attempt to re-age the account and extend the reporting period to XX/XX/XXXX. The original debt was from XXXX at the latest, and this manipulation is a direct violation of the FCRAs time limitation for negative information ( 7 years from the original date of delinquency, not from any date assigned by a debt buyer ). 

3. Account Misrepresentation and Creditor Substitution The reappearance of the same debt, now slightly adjusted in balance ( {$1300.00} instead of {$1300.00} ), under a new collection agency and new dates, is misleading and appears to be an attempt to evade prior disputes. Replacing the name XXXX XXXX with XXXX XXXX while maintaining the same obligation is deceptive and potentially constitutes data suppression and misattribution under federal law. 

4. False Dispute Status XXXX ( b ) The XXXX XXXX account states, Account previously in dispute now resolved. I never submitted a dispute regarding this account with XXXX XXXX. Including this remark is inaccurate, misleading, and must be removed under the FCRA, which mandates the maximum possible accuracy in credit reporting. 

5. Improper Verification by TransUnion XXXX ( a ) ( XXXX ) ( A ) TransUnion claimed in XX/XX/XXXX that the reinserted IC System account was " verified as accurate. '' I request a full explanation of how this account was verified, especially considering the original account was previously deleted, and no validation or verification documentation has been provided. 

Formal Demands : In accordance with the FCRA, I formally request the following : Immediate deletion of thXXXX XXXX XXXX account from my TransUnion credit file. 

Full documentation showing how and by whom this account was verified in XX/XX/XXXX. 

Proof of compliance with the reinsertion notice requirement under XXXX ( a ) ( XXXX ) ( B ). 

Removal of the inaccurate dispute remark, which misrepresents my history. 

A written response and an updated copy of my credit report reflecting the results of this dispute. 

If TransUnion and/or the data furnisher can not fully validate and legally justify the presence and details of this account, you are required to delete it. Failure to correct these violations may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action under 15 U.S.C. 1681n and 1681o for willful and/or negligent noncompliance. 

Please respond within 30 days of receipt of this letter, as required by federal law. 

Sincerely, 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