Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
I XXXX XXXX XXXXXXXX submit this formal complaint against TransUnion for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable California state laws, including the California Consumer Credit Reporting Agencies Act ( CCRAA ) and the XXXX Fair Debt Collection Practices Act ( XXXX XXXX ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of XXXX XXXX. XXXX ( a ) and ( b ), as well as violations under California XXXX XXXX XXXX ( a ). 

Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than XXXX  days passing, I have not received any response or documentation from any of the bureaus, constituting additional violations, specifically : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within the required XXXX period. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. 
XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide verification of debt, including original contracts and signatures, upon request. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. 
California XXXX XXXX XXXX : Failure to promptly and thoroughly investigate consumer disputes. 
California XXXX XXXX XXXX : Unlawful debt collection practices ( XXXX XXXX violation ). 

Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : XXXX XXXX ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt XXXX XXXX misconduct, provide redress, and impose penalties. 

TransUnion XXXX ( XX/XX/XXXX ) : The CFPB and FTC reached a {$15.00} XXXX settlement with TransUnion for failing to ensure accuracy in tenant screening reports. TransUnion agreed to restitution, civil penalties, and enhanced accuracy measures. 

XXXX XXXXXXXX ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against XXXX for repeated FCRA violations and deceptive practices. The lawsuit highlighted XXXX XXXX reporting of incorrect information, failure to timely correct disputes, and reinsertion of deleted data without proper consumer notification. The CFPB seeks penalties, injunctive relief, and systemic reforms. 

These actions underscore the CFPBs commitment to enforcing compliance. My case mirrors these past violations, and I urge the CFPB to take similar enforcement action. 

Fraudulent Accounts & Unauthorized Reinsertions Account name XXXX XXXX : Account # XXXX * * * * Laws Violated : XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum accuracy. 
XXXX XXXX. XXXX ( a ) : Failure to investigate disputes within XXXX days. 
XXXX XXXX. XXXX ( a ) : Failure to block fraudulent accounts. 
XXXX XXXX. XXXX ( a ) : Failure to provide debt validation within XXXX days. 
XXXX XXXX. XXXX ( b ) : Illegal reinsertion of previously removed information. 
California XXXX XXXX XXXX ( a ) : Furnishing inaccurate credit information. 

Account name XXXX XXXX  : Account # : XXXX * * * * XXXX account with discrepancies, date variations, and lack of validation. 
Laws Violated : XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum accuracy. 
XXXX XXXX. XXXX ( a ) : Failure to investigate disputes within XXXX days. 
XXXX XXXX. XXXX ( a ) : Failure to provide debt validation within XXXX days. 
XXXX XXXX. XXXX ( b ) : Illegal reinsertion of previously removed information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide verification details. 
California XXXX XXXX XXXX ( a ) : Furnishing inaccurate credit information. 

Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file across all three bureaus. 
Ensure accounts are not reinserted without proper validation as required by federal and California state law. 

Written Confirmation : Provide written confirmation of removal along with updated credit reports. 

Thorough Investigation : Conduct a full investigation into these fraudulent entries. 
Provide written findings, including requested verification details ( contracts, signatures ). 

Compliance with Identity Theft Protections : Implement fraud alerts and provide identity theft resources mandated under XXXX XXXX. XXXX ( XXXX ) and California XXXX XXXX XXXX. 

Conclusion The continued noncompliance by XXXX, TransUnion, and XXXX has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal and California state law, and provide remedies under XXXX XXXX. XXXX, XXXX, and California XXXX XXXX XXXX, XXXX. 

Your intervention is essential to ensure accountability and correct my credit reports permanently. 

Sincerely, XXXX 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 non-monetary relief