Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I have a bankruptcy showing on my TransUnion credit report. Over the past few months TransUnion has refused to not only properly VALIDATE! This account on my report. I have initially send a request to TransUnion advising them to please send me the information on who they validated this Bankruptcy with as well as send me all of the information that they used to come to said conclusion. Instead of TransUnion sending me how they validated the request they sent me a letter stating that they verified this account as accurate with the XXXX XXXX XXXX MISSOURI. ( I have submitted the letter that TransUnion sent me in uploads below. ) I personally reached out to the courts XXXX my letter to XXXX courts is submitted in uploads below. ) asking if they verified such bankruptcy. ( I attached my Identification for verification purposes. The bankruptcy courts sent me a letter stating they have NEVER verified this bankruptcy with any Credit reporting agency at all. ( I have attached the bankruptcy letter to submitted uploads below. ) I resent TransUnion the Bankruptcy courts letter stating that TransUnion lied as well as my Drivers license and their letter that they sent to me stating the courts verified the account. Instead of TransUnion following the law and deleted this UNVERIFIED Bankruptcy they sent a letter stating they were unable to verify my identity and was unable to move forward with my dispute. I call that stalling and again NOT ABIDING the law. I resent my drivers license the bankruptcy courts letter and a letter advising TransUnion that If this unverified account is not removed from my credit report I will be officially filling a complaint. TransUnion then responded that they information from the courts was NOT sufficient information and that they will not further investigate this dispute because they have already verified it. ( I have attached the letter from TransUnion refusing to remove this inaccurate unverified account from my report. ) This is against my rights as a consumer. A cra must remove or correct inaccurate or unverified information from my files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your files unless it is outdated ( as described below ) or can not be verified. 
Ive ask them to NOT use the XXXX and XXXX XXXX while verifying because that is NOT RECOGNIZED AS PROPER VALIDATION. 
I am uploading all of the correspondences between me consumer and TransUnion. 
I have been going back and forth with TransUnion for almost 6 months. I am tired of fighting for my consumer rights when I have proof of facts. PLEASE REMOVE THIS UNVERIFIED ACCOUNT FROM MY REPORT IMMEDIATELY.

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