Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion po box XXXX XXXX, PA XXXX. 

Re : The inaccurate and certifiably noncompliant information TransUnion is reporting that is keeping me from purchasing a home. 

Beginning XX/XX/XXXX to XX/XX/XXXX, on numerous occasions, I wrote to TransUnion with a formal objection of information published and provided by TransUnion to any and all who has accessed or reviewed my credit profile. I demanded for swift action on their part. Additionally, my notice also served as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

TransUnion is improperly reporting an alleged Public Record and that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, Transunion is in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to TransUnion by the alleged XXXX of XXXX. I have repeatedly formally contested inaccurate information in my credit report as well as the source of the alleged XXXX XXXX. 

Date Filed Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX XXXX format compliance since, per the XXXX, XXXX  XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately, it appears that TransUnion does not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that they prepared concerning me. XXXX prompt attention to this important matter is requested in order to comply with federal law. I have previously disputed this item listed above, XXXX XXXX Bankruptcy. In response, TransUnion verified the item as accurate, stating that they have verified the information with the court. I recently contacted the court and their response is enclosed.TransUnion is the only credit bureau reporting this alleged Bankruptcy as it does not belong to me. I have included proof of no bankruptcy being reported by XXXX or XXXX. 

It is clear that the courts ABSOLUTELY DO NOT REPORT to TransUnion or to any credit bureau for that matter ; therefore TransUnions original response verifying the item with the court was either an error or a LIE. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED IMMEDIATELY. 


Sincerely, XXXX XXXX

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