Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Incorrect Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its continued failure to correct a serious credit reporting error. TransUnion has inaccurately placed a bankruptcy on my credit report that belongs to another individual with the same name who resides in the same county. Despite my repeated disputes and clear evidence proving the bankruptcy is not mine, TransUnion refuses to remove this erroneous information.

Details of the Incorrect Bankruptcy Reporting TransUnion is reporting a bankruptcy under my name that does not appear on my credit reports from XXXX or XXXX. To verify the accuracy of this information, I personally visited the U.S. Bankruptcy Court and spoke with a court clerk named XXXX, who confirmed that no bankruptcy filing exists under my name. She also stated that the U.S. Bankruptcy Court does not report any information to credit bureaus, calling into question TransUnions alleged verification process. 
Additionally, I contacted XXXX, a primary provider of public record data used by credit bureaus, and they confirmed that no bankruptcy is associated with me in their records. 
TransUnions Failure to Properly Investigate My Dispute Upon discovering this error, I immediately contacted TransUnion and spoke with a representative named XXXX. She admitted that TransUnion only checked a secondary credit file and did not verify the actual bankruptcy records. XXXX also stated that TransUnion did not send any verification requests to the courtscontradicting TransUnions prior response to the CFPB, where they falsely claimed to have confirmed the bankruptcy through court records.

Given that the U.S. Bankruptcy Court does not provide information to credit bureaus, it is clear that TransUnion failed to conduct a proper investigation, violating my consumer rights under federal law.

Violations of the Fair Credit Reporting Act ( FCRA ) TransUnions failure to accurately investigate and correct this error violates multiple provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. TransUnions reliance on incorrect secondary sources rather than verifying with the court violates this requirement. 
15 U.S.C. 1681i Reinvestigation of Disputed Information Requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. TransUnion falsely claimed to have verified the bankruptcy with the court, despite the court clerk confirming otherwise.

15 U.S.C. 1681c ( a ) ( 1 ) Obsolete Information Reporting Bans the reporting of bankruptcies beyond the legally permitted time frame. Since this bankruptcy does not belong to me, its presence on my credit report constitutes an unlawful reporting of obsolete information. 
Requested Resolution I request that the CFPB take immediate action by : Investigating TransUnion for failing to properly verify disputed information and violating my rights under the FCRA. 
Requiring TransUnion to immediately delete the inaccurate bankruptcy from my credit report. 
Holding TransUnion accountable for its noncompliance through enforcement actions, penalties, and corrective measures.

If this issue is not resolved, I will escalate my complaint further, including pursuing legal action under 15 U.S.C. 1681n for willful noncompliance and seeking additional enforcement measures through the Federal Trade Commission ( FTC ). 
I have attached supporting documents, including : My dispute with TransUnion The CFPBs prior response Correspondence with XXXX Confirmation from the U.S. Bankruptcy Court stating no bankruptcy exists under my name Please provide a written response outlining the actions the CFPB will take to address this complaint. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX