Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I am a victim of identity theft. My information has been exposed in numerous data breaches. I have submitted XXXX CFPB complaints since XX/XX/XXXX and XXXX BBB complaint XX/XX/XXXX. 

BBB Complaint : FCRA Violations Regarding Account Reinsertions and Failure to Verify I am filing this complaint due to XXXX ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX and XXXX. I disputed account XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  over XXXX months ago, yet TransUnion has failed to provide any of the legally required documentation to verify the account. 
Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), CRAs are required to conduct a reasonable reinvestigation within XXXX  days. I have disputed multiple times and never received : XXXX of investigation XXXX, Method of verification XXXX and contact info of the furnisher XXXX copy of the original signed agreement as required under XXXX ( a ) ( XXXX ) ( A ) Per XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I requested a description of the procedure used to verify the XXXX failed to respond. Instead, the account was reinserted XXXX  without any advance notification, violating XXXX ( a ) ( XXXX ) ( B ), which mandates written notice within XXXX business days of reinsertion. 

I called this week ( Thursday XX/XX/XXXX & XX/XX/XXXX ) and my concern escalated to the highest level of the fraud department. I was told via the representative that the only way to obtain the method of verification is through a subpoena, which directly violates my rights under XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ), requiring accurate and verifiable data. 

This account is unverified, reinsertion notices were never received, and TransUnion has refused to provide documentation. The continued reporting of this unverifiable account is damaging and unlawful. 

I am demanding full disclosure from TransUnion. Please send me the signed contract or original application under FCRA XXXX ( XXXX XXXX XXXX XXXX ). XXXX deletion of this account within XXXX hours under FCRA XXXX and XXXX, as the data is inaccurate, unverifiable, and improperly reinserted without proper notice. Failure to resolve this immediately XXXX result in further legal action Request for XXXX Correction : Since TransUnion has continued to violate my rights under the FCRA. I am writing a final time to dispute a couple of the inaccuracies regarding this account XXXX XXXX XXXX  reported on my credit file, as reflected in your records. This dispute pertains to the entry showing that I have a XXXX late payment on this account when, in fact, the actual payment history only reflects a single XXXX late payment. These inaccuracies have significantly damaged my XXXX XXXX and financial growth, which is both unjust and in violation of the Fair Credit Reporting Act ( FCRA ). The attachments with this letter include proper evidence. 

XXXX. Violation of XXXX XXXX. XXXX ( b ) - Accuracy of Report XXXX XXXX XXXX. XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. It is apparent that the information provided by TransUnion, in relation to this account, is inaccurate, specifically the reporting of the status within the account details as XXXX  days late, which does not align with the actual payment status account history reporting as XXXX  days late. 

Further, I have previously requested information related to the payment reporting, including evidence that would justify the account being listed as " XXXX  days late. '' You have failed to provide this essential documentation, which violates the requirements set forth by XXXX XXXX. XXXX and XXXX XXXX. XXXX. 

XXXX. Failure to XXXX and XXXX Report XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( a ), TransUnion was required to conduct a reasonable reinvestigation upon notification of disputed information. Specifically, the FCRA mandates that any information that can not be verified must be removed or corrected. Your failure to verify the late payment or provide adequate supporting evidence within the required XXXX timeframe is in direct violation of this statute. 

Moreover, when disputed information can not be verified, the furnisher must report the item as unverified or delete it from the report, as stated in XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ). By continuing to report this item as accurate without sufficient proof, TransUnion is in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
Additionally, as per XXXX U.S.C. XXXX ( b ) ( iii ), when disputed information is verified, you are required to provide evidence showing that the disputed information was correct, along with the contact information of the furnisher. To date, this has not been provided, and therefore, I respectfully request the deletion of this inaccurate information within XXXX hours. 

XXXX. Failure to Provide Reinsertion Notice Furthermore, as part of a previous dispute, I reported potential identity theft in relation to this account due to my personal information being exposed in a data breach. However, despite this, the account was reincluded in my report without proper verification and without sending me the legally required reinsertion notice, as mandated by the FCRA. This is another violation of the law. Since this was not addressed immediately remove the inaccurate information within XXXX hours.

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