Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13573931
Complaint Overview
Complaint ID: 13573931
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33578
Date Received: 2025-05-17T12:00:00-05:00
Date Sent to Company: 2025-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FINAL NOTICE DEMAND TO PERMANENTLY DELETE ILLEGALLY REINSERTED AND RESOLD ACCOUNTS UNDER FCRA 605B, 611, and 623 Consumer : XXXX XXXX XXXX Dear Compliance Department, I am writing on behalf my credit file regarding the unlawful reinsertion and continued reporting of accounts previously deleted by Experian and other bureaus as confirmed in the attached PDF file titled XXXX XXXX REMOVALS PROOF. These reinsertions represent clear and willful violations of the Fair Credit Reporting Act, including but not limited to Sections 605B, 611, 623, and 616-617. Proof of Previous Deletions ( Document Attached ) According to the Experian dispute file dated XX/XX/XXXX, and included with this notice, the following accounts were deleted after investigation : XXXX XXXXXXXX Account ending in XXXX XXXXXXXX Debt Buyer account ending in XXXXXXXX XXXX Charge card ending in XXXXXXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX Charge card ending in XXXX XXXX XXXXXXXX XXXX Debt buyer account ending in XXXX All of the above were removed due to either lack of verification, invalid resale, or successful FCRA-based disputes. Despite this, some of these accountsor their resold derivativeshave reappeared on XXXX XXXX credit reports as of XX/XX/XXXX, and some were moved or relabeled to bypass reinsertion flags. Illegally Reinserted / Re-Labeled Accounts Now Reporting : 1. XXXX XXXX o Bureaus Reporting : Equifax & Experian o Original Deletion Confirmed : See page 8 of Experian PDF o Balance : {$5400.00} o Reinserted As : Identical tradeline reappeared without certification or notice 2. Online Information Services ( RE NAMED TO XXXX ) PREVIOULY REMOVED!! o Bureaus Reporting : Experian, Equifax, TransUnion o Original Collection Account Disappeared in XXXX o Now Reporting Again : Opened XX/XX/XXXX, {$10000.00} owed, falsely relabeled under new account number, Creditor can not locate individual 3. XXXX XXXX XXXX o Bureau Reporting : Equifax only o Original Creditor : XXXX XXXX XXXXXXXX XXXX ( XXXX ) o Previously Blocked under 605B Identity Theft Notice ( XXXX ) o Now Showing as : Unpaid collection without verification
Frequently Asked Questions
What is Complaint #13573931 about?
Complaint #13573931 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-17T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.