Consumer complaint received 2019-12-09
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:
On XX/XX/XXXX I sent faxes to XXXX ( Fax Number XXXX ) and Transunion ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both Transunion and XXXX  responded back stating the bankruptcy is accurately reporting based on third party data provider XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Transunion and XXXX  have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this  information in my credit report, or my authorization of release bearing my signature. When I contacted XXXX XXXX they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia  XXXX and XXXX response to my inquiry, I attempted to contact Transunion and XXXX  again. I sent Transunion a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by Transunion. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. XXXX  knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.

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