Consumer complaint received 2025-06-30 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 filing this complaint to formally escalate TransUnions continued and willful noncompliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically concerning identity theft protections under 15 U.S. Code 1681c-2 ( Section 605B ), the illegal reinsertion and re-aging of previously deleted tradelines under 1681i ( a ) ( 5 ) ( B ) and 1681c ( a ) ( 4 ), and the reporting of unverifiable and unauthorized collections in violation of 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681b ( a ) ( 2 ). 

I have submitted a valid FTC Identity Theft Report ( Ref No. XXXX ), government-issued ID, proof of address, and written statements identifying the disputed accounts. Despite receiving all required documentation, TransUnion has failed to block or delete the following fraudulent and unauthorized tradelines : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX which falsely claims to have purchased the above XXXX XXXX XXXX  These accounts are not mine. I never authorized, opened, or consented to the transactions associated with either account. No permissible purpose exists under FCRA 1681b ( a ) ( XXXX ) for these accounts to remain on my report, and they are the result of identity theft. 

Specific Violations by TransUnion : TransUnion previously responded to CFPB Case ID XXXX XXXX XXXX XXXX XXXX  Verified as Reported ''. This is factually false. On XX/XX/year>, XXXX XXXX confirmed in writing that they sold the account and no longer furnish any data to credit bureaus. The account was also removed from my XXXX  credit file on XX/XX/year> ( XXXX Confirmation # XXXX ). 

XXXX XXXX XXXX sent a collection letter dated XX/XX/year>, claiming to have purchased the account on XX/XX/XXXX, XXXX it was deleted from my report. This constitutes an attempt at unlawful reinsertion without the required certification and notification under 1681i ( a ) ( 5 ) ( B ) ( ii ). 

TransUnion has also enabled illegal re-aging of these charged-off or deleted accounts by continuing to update them monthly with derogatory status reports well into 2025, despite no consumer activity or valid contract post-charge-off. This directly violates 1681c ( a ) ( 4 ).

Formal Request : Under FCRA 1681c-2 ( c ), I demand that TransUnion immediately and permanently block and delete the following identity theft-related tradelines : XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account No XXXX XXXX I further invoke my rights under 1681i ( a ) ( 8 ) for expedited deletion of unverifiable tradelines and request a full description of the reinvestigation procedures used under 1681i ( a ) ( 6 ). If these accounts were verified, I request the name of the furnisher, the documents used to verify, and an explanation of how TransUnion ensured maximum possible accuracy under 1681e ( b ).

If TransUnion fails to comply within the legal timeframe, I will escalate this matter to the FTC, IRS Criminal Investigation Division, SEC, and federal court, and reserve all rights under FCRA 1681n and 1681o to pursue damages for willful noncompliance. 

This dispute is submitted in good faith and supported by law and documentation.

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