Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Reinserted Account in Violation of the FCRA and USC Regulations To Whom It May Concern, I am writing to demand immediate correction and resolution of a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and applicable provisions of United States Code ( USC ) . Specifically, TransUnion has unlawfully reinserted and relisted an account previously removed from my credit report following a dispute initiated through the Consumer Financial Protection Bureau ( CFPB ). 

The account in question, XXXX XXXX XXXX, was investigated, deemed inaccurate, and subsequently removed from my credit file in compliance with my dispute. However, TransUnion has since reinserted this account without notifying me as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. This section explicitly requires that : 1. Notice of reinsertion : If a previously deleted item is reinserted, the consumer reporting agency must provide written notice to the consumer within five ( 5 ) business days of reinsertion, including the name of the furnisher and any supporting documentation.

2. Certification of accuracy : TransUnion must also obtain certification from the furnisher of the information that the item is complete and accurate before reinsertion. 

To date, I have not received such notification or certification. This is a clear violation of federal law and demonstrates willful noncompliance. Furthermore, by failing to ensure the accuracy and integrity of the information on my credit report, TransUnion has violated 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information they report. 

Additionally, the reinsertion of this account has caused undue harm to my creditworthiness and financial standing, constituting reckless disregard for my rights as a consumer. I demand the following : 1. Immediate removal of the reinserted account from my credit report.

2. A detailed explanation as to why this account was reinserted and a copy of the certification of accuracy ( if it exists ) from the furnisher of the information.

3. A formal statement confirming compliance with the FCRA and outlining steps TransUnion will take to ensure this does not happen again.

If this matter is not resolved promptly, I will escalate this complaint by filing additional disputes with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal remedies for damages under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance with the FCRA.

This letter serves as formal notice under the law, and I expect a response within the 15-day timeframe required by the FCRA. Failure to address this matter will leave me no choice but to take further legal action to protect my rights. 
Please see attached complaint filed with CFPB regarding this inaccurate account with the response from the collection agency stating that the account is deleted. 

I look forward to your prompt resolution of this issue. 

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 explanation