Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently asked Trans Union how they went about verifying a bankruptcy and they sent a generic process where they say that they sometimes contact government agencies. I also sent a letter to the bankruptcy court in the XXXX XXXX of Florida and asked how they report files to the credit bureaus. The court Supervisor sent back a letter saying that they do not verify accounts and that they do not provide any information to the credit bureaus. I then asked Trans Union to verify the XXXX accounts as I had already talked to XXXX, XXXX at XXXX who told me they had not provided any information to the credit bureaus since XXXX. 

I have attach a letter from Trans Union where they say that they verified the XXXX accounts and that they have added information to the accounts. The information is still wrong and they are still reporting XXXX as negative accounts. In XXXX, 11 years ago I filed a Chapter XXXX bankruptcy. You do not see that on my credit report because it has been 10 years and it has fallen off. At that time 1o years ago, I did not have an account with XXXX as I had refinanced those student loans with XXXX in XXXX. So I have not had an account with XXXX for 13 years. Trans Union says that XXXX was included in a Chapter XXXX bankruptcy. In XXXX I filed a Chapter XXXX bankruptcy, once again 8 years after I refinance the XXXX loans with XXXX  so XXXX was never included in any bankruptcy. Those accounts were in good standing when I refinanced them and have never been negative accounts. As you can see, from the court docket, the Chapter XXXX was dismissed in XXXX and no where in Trans Unions report is that noted, which they would have known if they had truly verified the Bankruptcy. I was able to print mine off XXXX, which I assume where Trans Union got their information, since I have a letter in which the Bankruptcy Court says they do not report to the credit bureaus. They have done the same thing to the Consumer Financial account, it was not included in a Chapter XXXX Bankruptcy, as it was not even opened in XXXX and I did not live in XXXX at that time. This makes me wonder how long they have reported this false information when I have applied for loans and been turned down. None of the 5 accounts on the page I am sending were in a Chapter XXXX Bankruptcy except XXXX, but it was not discharged it was simple in a stay status until the Chapter XXXX was completed. As a matter of fact I am still paying on that account now. In each case Trans Union is saying they will keep these negative accounts on my file until XXXX. 

I am in the process of trying to buy the building which my wife and I have a business in, these people have been responsible for a denial from the credit grantors. Please expedite this challenge as I have 4 months in which to get the financing I mentioned.

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