Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This has been an issue for several years. I hand-wrote a letter to TransUnion because TransUnion states they are continually verifying an erroneous bankruptcy on my credit file, yet they have not and will not provide the process by which they verified the information. 

They state is was verified by the USBK COURT NORTHERN GEORGIA, yet I have letters stating from the bankruptcy courts they do not provide information to credit reporting agencies nor do they validate or confirm public records due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. Per the Federal Credit Reporting Act section 609 ( a ) ( 1 ) ( a ) it states that you are required through federal law to verify through " Physical Verification '' of the original signed consumer contract and or judgments, all accounts and public information you post on anyone 's credit report. I asked TransUnion for verifiable proof and to provide me with : 1. All documents associated with this public record account bearing either a Court order to place this information on my credit report, or my authorization of release bearing my signature 2. All documentation as to how this was investigated 3. The name of the person in the county recorders of deeds office that they spoke to and the date they validated 4. The name of the person in the bankruptcy, court in XXXX, XXXX  that they spoke to and the date they validated in Person 5. The phone numbers to both individuals that TransUnion spoke to that validated the said public record at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX as they stated they did in their letter to me 6. The name of the person from Transunion that supposedly validated the erroneous public record Also, I have been informed that XXXX has removed the erroneous bankruptcy from my credit file and sent information to TransUnion, XXXX, and XXXX to also remove the erroneous public record from my credit file. As of today, XX/XX/2023 TransUnion is the only reporting agency that has yet to remove this from my credit report. 

Based on Metro 2 Compliance and The 5 Points of Compliance is said that if an account is " modified '' or " deleted '', carbon copies are sent to each CRA with whom the DF has a reporting relationship. They are required to send carbon copies to ALL places they have reporting relationships with that they have shared that reporting. This doesn't mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regards to this client. 

TransUnion is deliberately breaking the law! They continuously send fabricated letters stating things have been validated but never provide a process, how they validate or even follow the metro 2 standard that they claim they adhere to.

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