Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against TransUnion and its data furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Illegal Reinsertion of Deleted Accounts On XX/XX/year>, two accounts were deleted from my TransUnion credit file following an investigation : XXXX Bank Account # XXXX XXXX XXXX Card Services Account # XXXX These accounts have since been reinserted into my credit file. 

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert deleted information unless : The furnisher certifies that the information is complete and accurate, and The consumer reporting agency provides the consumer with written notice within 5 business days of reinsertion, including the name, address, and phone number of the furnisher.

I never received the required 5-day written notice for either account, and TransUnion has not provided proof of certification from the furnishers. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) and 1681e ( b ) ( failure to assure maximum possible accuracy ). 

2. False Reporting by XXXX XXXX XXXX My XXXX XXXX account, which is owned or affiliated with TransUnion, displays a collection account from XXXX XXXX XXXX in the amount of {$85.00}. 

On this reporting, XXXX XXXX XXXX is falsely listed as the " Original Creditor. '' I have never conducted business with XXXX XXXX XXXX ; they are a debt collector, not an original creditor. 

This misrepresentation violates : FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character or legal status of a debt, FDCPA 15 U.S.C. 1692e ( 10 ) deceptive means to collect a debt, FCRA 15 U.S.C. 1681s-2 ( a ) duty of furnishers to provide accurate information. 

I previously sent XXXX XXXX XXXX a written " pay-for-delete '' letter. They have not responded or provided any debt validation as required under FDCPA 1692g ( b ).

This account continues to appear in my XXXX app, directly tied to TransUnions data feed, causing ongoing reputational and financial harm. I will attach a screenshot from the XXXX XXXX app showing this mislabeling. 

XXXX. Inaccurate Personal Information My TransUnion file lists addresses that are not associated with me and are incorrect : XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have never resided at, received mail at, or been otherwise associated with either of these addresses. Their presence on my file is inaccurate and may be contributing to the misattribution of accounts.

Under FCRA 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of my file. I am demanding the immediate deletion of these addresses from my TransUnion credit file and confirmation of their removal in writing. 

XXXX. Requested Resolution Immediate deletion of the reinserted XXXX Bank and XXXX XXXX Card Services accounts. 

Immediate deletion of the inaccurate XXXX XXXX XXXX collection account. 

Written confirmation from TransUnion that reinsertion procedures now include documented furnisher certification and mandatory consumer notification per FCRA requirements. 

Investigation into TransUnions integration with XXXX XXXX to ensure that data furnished through affiliated platforms is accurate and compliant with federal law. 

Evidence to be attached : Screenshot of the XX/XX/year> investigation results showing deletion of the XXXX and XXXX XXXX accounts. 

Screenshot from XXXX XXXX showing XXXX XXXX XXXX listed as the original creditor. 

Current TransUnion credit report showing the reinserted accounts. 

These violations are ongoing, willful, and materially damaging to my creditworthiness. I request that the CFPB require immediate corrective action and ensure future compliance.

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