Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am writing to demand the immediate reinsertion of my XXXX XXXX XXXX account ending in XXXX, which your agency has unlawfully suppressed despite repeated efforts by both myself and XXXX XXXX XXXX to correct this error. Your refusal to act has caused significant adverse credit impacts and constitutes clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ). 

Since XX/XX/year>, XXXX XXXX XXXX has contacted your business team at least five times to request the reinsertion of this account, which was previously disputed but is indisputably valid. Your business team has repeatedly denied these requests, citing vague " internal policy '' without providing any substantive explanation, as documented in your records. When I contacted your consumer team, as directed by your business team, they deflected responsibility back to XXXX, creating a frustrating cycle of miscommunication. Your consumer team further instructed me to submit a physical letter including my drivers license, a signed request, and a letter from XXXX authorizing the reinsertion. I complied with this request, and you have this documentation on file. Yet, you have unjustifiably denied the reinsertion once again. 

This ongoing refusal to correct my credit file is unacceptable and illegal. Under FCRA Section XXXX ( a ) ( XXXX ) ( B ), TransUnion is obligated to reinvestigate and correct inaccuracies in my credit report, including reinserting previously deleted accounts when provided with evidence of their validity. Both I and XXXX XXXX XXXX have supplied ample authorization and documentation, yet you have failed to act for over seven monthswell beyond the 30-day reinvestigation period mandated by FCRA Section 611 ( a ) ( 1 ). Your inaction has directly harmed my credit score and financial standing, causing undue stress and economic consequences. 

Be advised that I possess copies of all correspondence, including the physical letter, drivers license, XXXX authorization, and records of multiple contacts with your teams. These documents clearly demonstrate TransUnions stonewalling and non-compliance with federal law. Your failure to resolve this matter promptly will leave me no choice but to pursue legal action for willful violations of the FCRA, seeking actual damages, punitive damages, and attorneys fees as permitted under the statute. 

I demand that you immediately reinsert the XXXX XXXX XXXX account ending XXXX into my credit file and provide written confirmation of this correction within five business days, as required by FCRA. Additionally, clarify the reasons for your teams contradictory instructions and failure to process valid requests, as this internal dysfunction can not justify violating my rights. 

Resolve this matter now to avoid further escalation.

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 explanation