Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been requesting verification of the following account that TransUnion continue to report on my credit file : Bankruptcy XXXX. TransUnion sent their first response on XX/XX/2019 as verified without additional information about how they verified it. On XX/XX/XXXX, I sent the attached method of verification letter. I received another response on XX/XX/2019 ( attached ) with once again just a note stating verified dismissing all other questions I asked about their investigation process. On XX/XX/XXXX I once again sent letter ( attached ) requesting for this Bankruptcy to be deleted as unverified ; I included the letter form the Bankruptcy court stating that they do not provide any information about bankruptcies to the Credit Reporting Agencies as well as a document from XXXX XXXX confirming that my file had a security freeze. The response from TransUnion was sent on XX/XX/2019 ( attached ) with a response as verified. On XX/XX/2019 I sent a 4th letter ( attached ), with a response from the Credit Reporting Agency on XX/XX/2019 ( attached ) as verified. On XX/XX/XXXX I reached out to the Special Handling Department, and was informed by one of the supervisors to check their website, public records section https : //www.transunion.com/legal/public-records as I asked over the phone how they verify this entry. Within TranUnion website it reads that they verify public records via the Data Furnisher called XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA, XXXX. I informed this representative that I had a report from said company and the Bankruptcy was not listed so he advised me to send a new dispute with those documents. On XX/XX/XXXX I once again sent a letter ( attached )  including a letter from the United States Bankruptcy Court for the XXXX District of New York stating that the court does not provide any public record information to the reporting agencies as well as a copy of the XXXX section of the XXXX XXXX report that does not contain a Bankruptcy and the resolution from XXXX XXXX stating why they were deleting this Bankruptcy. This letter was received by them on XX/XX/XXXX and on XX/XX/XXXX ( which does not seem to be a reasonable time to investigate ) they replied once again that this Bankruptcy was " verified '' giving me the link https : //www.transunion.com/legal/public-records on how they check records. Their response to my last letter is also attached. First of all, this is not the proper way to verify this public record as they have to go straight to the furnisher, which is the Bankruptcy court, and I have been including a letter from the Bankruptcy Court stating that they do not provide any information to the Credit Reporting Agency, also I provided proof, once again, that there is no Bankruptcy entry on my XXXX XXXX credit fileSo, how do you come back stating that you investigated/disputed something and found out that it is STILL on my file if I am giving you proof that it is not?? What type of investigation are you doing? Or are you actually conducting and investigation? 

I have to add that on XX/XX/XXXX I called XXXX XXXX telephone number XXXX and spoke with an agent and he informed me that I had security freeze was in placed on my account since XX/XX/2019. I also asked if TransUnion requested a copy of my report with them, and he informed me that TransUnion made NO attempt to contact the company requesting copy of my file. Furthermore, Along with XXXX XXXX letter stating that they do not have a Bankruptcy on my credit file, I received a copy of the file with a list of all the companies/creditors that have requested copy of my file with them and TransUnion was not listed among them. 

This representative also stated that TransUnion did not request access to my file at any time during the months of XX/XX/XXXX till XX/XX/XXXX. I demand that this public record, Bankruptcy XXXX be removed due to lack of verification and inaccurate reporting. I have repeatedly requested tangible documentation via hard copies and TransUnion has yet to verify it. All they send is a copy of their report saying verified. 

I filed an initial complaint with the CFPB ( ID : XXXX ) on XX/XX/XXXX and TransUnion LLC replied saying that they will start an investigation. My question is : didn't you do an investigation the other 5 times I sent a dispute? you are in clear violation of my rights and you have to DELETE this entry. Also, their response to the CFPB complaint included information about XXXX  which to my knowledge is a filing system and does not constitute or serves as a proper investigation method because according to the Bankruptcy court laws the social security numbers are truncated, and if Im not mistaken there are no signatures, mine or anyone elses that serve as proof that a bankruptcy found in it pertains to me. 

This company has been violating my rights as a consumer since XXXX and is using a stalling tactic to avoid removing unverifiable information from my report.

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