Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Reinserted Accounts per FCRA and Metro 2 CRRG Standards Dear TransUnion, I am writing to dispute the unauthorized reappearance of the following accounts on my TransUnion credit report, which were previously removed due to disputes. This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Metro 2 Credit Reporting Resource Guide ( CRRG ) industry standards. The reinsertion of these accounts violates FCRA and Metro 2 requirements, as detailed below. 

Disputed Accounts XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX FCRA Violations The reinsertion of these accounts constitutes the following FCRA violations : 1. FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted InformationXXXX reinserted the listed accounts without providing me with written notification within XXXX business days, including the furnishers contact information and my dispute rights. Additionally, there is no evidence that furnishers certified the accuracy and completeness of this information prior to reinsertion, as required. 

2. FCRA 607 ( b ) Failure to Ensure Maximum Possible AccuracyThe reinserted accounts contain inaccuracies, such as : XXXX XXXX : Reported balance of {$1000.00} ( updated XX/XX/XXXX ) exceeds the original balance of {$1000.00}, with an unknown payment history despite being an active account opened XX/XX/XXXX. 

XXXX ( previously provided ) : Reports XXXX late payments despite a paid or paying as agreed status, indicating inconsistent reporting. 

XXXX : Likely lacks complete payment history, similar to prior issues with TELERECOVERY. 

3. FCRA 611 ( a ) ( 1 ) Failure to Conduct Reasonable InvestigationThese accounts were previously disputed and removed, suggesting TransUnion and the furnishers failed to conduct a reasonable reinvestigation before reinserting them. This mirrors prior unresolved disputes with accounts like XXXX and XXXX. 

4. FCRA 623 ( b ) ( 1 ) Furnishers Failure to Verify DataFurnishers ( XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  Telecovery ) failed to verify the accuracy of reinserted data, violating their duty to investigate disputed information. 

5. FCRA 605B Potential Identity TheftIf accounts like XXXX XXXX or XXXX are fraudulent ( as previously suspected with TELERECOVERY ), their reinsertion violates FCRA requirements to block such accounts upon receipt of an identity theft report. 

6. FCRA 616, 617 Negligent or Willful NoncomplianceThe systemic reinsertion of multiple accounts without compliance suggests negligent or willful violations, entitling me to potential damages. 

The reinsertion of these accounts violates the following Metro 2 CRRG industry standards : 1. CRRG Section 3.3 Improper Re-reporting of Deleted Accounts ( J3 Code ) Furnishers re-reported the listed accounts without certifying their accuracy and completeness, as required for the J3 ( Re-reported Account ) code. This applies to all accounts, particularly XXXX XXXX and XXXX, which were previously removed. 

2. CRRG Section 4.2 Inaccurate Account Status or Balance MoneyLion : The reported balance ( {$1000.00} ) exceeds the original ( {$1000.00} ), violating the Current Balance Field accuracy requirement. 

XXXX : Inconsistent reporting of paid as agreed with XXXX late payments violates Account Status Codes ( e.g., XXXX Current vs. XXXX XXXX  Days Past Due ). 

XXXX XXXX XXXX XXXX status errors ( e.g., closed accounts reported as open ) mirror prior XXXX XXXX issues. 

XXXX. XXXX XXXX XXXX Incomplete Payment History MoneyLion/Telecovery : Unknown payment history ( MoneyLion ) and likely missing payment data ( Telecovery, similar to TELERECOVERY ) violate the Payment History Profile requirement to report complete payment statuses ( e.g., XXXX Current, L XXXX Days Late ). 
XXXX. XXXX XXXX XXXX Incorrect Account Identification XXXX XXXX ( # XXXX ) and XXXX  ( # XXXX ) : Non-standard or abbreviated account numbers suggest errors in the Base Segment Account Number Field, similar to prior SBNASELFNDR corruption issues. 

XXXX ( # XXXX ) : Short account number may indicate formatting non-compliance. 

XXXX. XXXX XXXX XXXX Failure to Suppress Disputed Data ( XXXX Code ) Furnishers failed to suppress previously disputed and deleted accounts ( e.g., XXXX, XXXX  ) unless new, verified data was provided, violating the XXXX ( Dispute Under Investigation ) code.

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