Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint TransUnion Reinserted Previously Deleted Accounts in Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing this formal complaint regarding TransUnion 's unlawful and unauthorized reinsertion of previously deleted accounts back onto my credit report. These accounts were formerly removed following disputes and investigations, yet have now been reintroduced without proper notice or legal justification, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts : XXXX. XXXX XXXX XXXX Bank {$2100.00} XXXX. XXXX XXXX XXXX Bank {$12000.00} XXXX. XXXXXXXX XXXX XXXX XXXX6400.00} Each of these accounts was previously disputed, verified as inaccurate or unverifiable, and successfully deleted from my TransUnion credit file. The fact that TransUnion has reinserted them without providing required written notice and without proof of accuracy or legal certification from the original furnishers is both improper and unlawful. 

Legal Violations Committed by TransUnion : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion Requirements If an item of information deleted as a result of a dispute is reinserted, the credit bureau must provide the consumer with written notice within five business days, along with the name of the furnisher and a certification of accuracy.

I was never notified in writing that these items would be or were reinserted.

2. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must implement and follow procedures to ensure the maximum possible accuracy of the information they report. Reintroducing accounts that were already proven to be inaccurate or unverifiable directly violates this provision.

3. 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Negligent failure to comply with any part of the FCRAincluding proper notice, reinvestigation, and reporting obligationsexposes the bureau to civil liability for damages.

4. 31 U.S.C. 5118 Discharge of Debt and Legal Tender This law affirms the importance of accurate reporting of financial obligations and reinforces that previously resolved or invalidated obligations can not be legally pursued or inaccurately reported as collectible or active debts.

My Formal Requests to the CFPB : I respectfully request that the CFPB : 1. Investigate TransUnions reinsertion of the above-listed accounts without proper notice or certification 2. Confirm whether TransUnion obtained the required verification and documentation prior to reinsertion 3. Order the permanent deletion of the above accounts from my TransUnion credit report 4. Require that TransUnion fully comply with FCRA reinsertion protocols and consumer notification requirements moving forward 5. Hold TransUnion accountable for any noncompliance with FCRA provisions and take appropriate enforcement action The reappearance of these accountsafter prior deletionhas caused undue stress and material harm to my credit standing. I rely on the CFPB to help protect my rights under federal law and ensure credit reporting agencies are held to the standards required by the FCRA. 

Thank you for your time and attention to this serious matter. 

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