Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
This is an updated complaint based on documentation recently uploaded to the CFPB portal, which does not support validation of the debt and instead introduces additional inconsistencies and contradictions that further cloud the accounts accuracy and ownership. To be clear, this is not a duplicate complaint. 

I am filing this complaint regarding TransUnions reinsertion and continued reporting of an LVNV/Resurgent collection account associated with an alleged XXXX loan. 

Just a quick recap : This account was previously deleted from my TransUnion credit file. A later report reflects that the account was reinserted. 

Under FCRA 1681i ( a ) ( 5 ) ( B ) ( i ), TransUnion may not reinsert deleted information unless it first receives a lawful certification of accuracy from the furnisher. Under 1681i ( a ) ( 5 ) ( B ) ( ii ), TransUnion must also provide a 5-day written reinsertion notice. I did not receive any notice. 

Because reinsertion appeared unlawful, I mailed a certified request to TransUnion seeking : 1. A complete copy of any furnishers certification of accuracy ; 2. The date TransUnion received such certification ; 3. The furnishers name, address, and telephone number ; 4. The information that was certified as accurate ; 5. A written explanation for the missing 5-day reinsertion notice ; 6. All internal records, including dispute logs, ACDVs, CDVs, e-OSCAR communications, and system notes related to the deletion and reinsertion.

This letter is in transit and scheduled for delivery. I am notifying the CFPB because TransUnion reinserted this account before my certified request could even be reviewed, and the underlying facts already demonstrate the reinsertion could not have been lawful. 

I submitted a separate complaint to the CFPB against the furnisher ( LVNV/Resurgent ). In their CFPB response, XXXX admitted : They did not validate the debt under 15 U.S.C. 1692g ( b ) ; They declined to provide chain-of-title documents ( bill of sale, assignment, schedule of accounts ) ; They could not reconcile three conflicting balances ( $ XXXX, $ XXXX, $ XXXX ) ; They provided only internal summaries that are not creditor-issued ; They ignored earlier disputes ; They did not address their own internal fraud designation ; They did not supply any documentation establishing ownership or accuracy. 

XXXX XXXX XXXX and XXXX XXXX XXXX both failed to provide any proof of state licensing or authorization to collect this alleged debt, despite being prior servicers who handled or attempted to collect it. This raises additional concerns regarding the legality of prior collection activity and the reliability of any information transmitted through these entities. 

Because the furnisher has admitted it can not validate the debt, it would have been impossible for TransUnion to obtain a lawful certification of accuracy prior to reinsertion. 

Therefore, TransUnions reinsertion and continued reporting violate : FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) reinsertion without certification FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) no 5-day reinsertion notice FCRA 1681e ( b ) failure to maintain accuracy FCRA 1681i ( a ) ( 1 ) unreasonable reinvestigation TransUnion is furnishing information that is unverified, contradicted by the furnishers own documentation, and inconsistent with the FCRAs reinsertion requirements. 

A follow-up complaint with the attachment produced by XXXX  has been uploaded to CFPB, as it does not validate the debt. Again, it actually introduces additional inconsistencies. Thank you. 

Please be advised that the attached request ( letter ) stands. I am simply submitting it via CFPB so that they are aware of my request as well. Thank you.

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