Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 obtained my credit report and discovered multiple errors. I send a letter to TransUnion stating I was disputing a Bankruptcy on my record. The first letter that I sent was on 2016. I received a letter back stating they had verified this using a third party I sent Various letters to resolve this issue stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information but did not prove and documentation to me as verification. I called TransUnion and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. Transunion keeps reporting on my credit report that XXXX Bankruptcy Court is the FURNISHER, this information is incorrect and must be removed immediately, my inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all  accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given TransUnion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. 
I am hoping this matter will result in the removal of the bankruptcy from my account. 

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days. They have never called the original creditor, but have relied on a third party database to verify. When I asked for the evidence they used to verify, I was told they could not give it to me which is against the law. I was also told they called the XXXX court and verified, however ; when I called the XXXX court, I was told they do not verify information with Credit Bureaus. I also called the XXXX XXXX XXXX Clerk concerning the Bankruptcy and what was there procedure for verifying with the Credit Bureaus, I was told the same thing ; they do not verify any information with the credit bureaus. That being said, they have broken the law twice pertaining to the Fair Credit Reporting Act ( FCRA ).

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