Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX After several written attempts to TransUnion to verify and ascertain the accuracy on an public record item that they had listed on my consumer report, I was informed by TansUnion that the courts and pacer are the source of the information via a Information Broker LCI/Verisk and that the court and pacer are the sources that verified and certified the information as 100 % accurate.

So I sent a letter to the courthouse address that they had listed on my consumer report asking do the courts report bankruptcies to the credit bureaus and I got an official statement letter of the courts process pertaining to reporting of information to TransUnion or and third party stating that the Courts of California do not report any bankruptcies to Credit Reporting agencies, Information Brokers, third parties or anybody. I sent an email to pacer asking also do they release information or report to any third parties, they also indicate that they dont provide information to third party companies such as Pacer or TransUnion . So if thats the case. How did the credit bureaus verify this bankruptcy as 100 % accurate.

How was TransUnion even able to report this public record in the first place when the Courthouse does not Subscribe to TransUnion or Pacer?

So finally how was TransUnion or LCI be able to verify this information to be 100 % accurate if Pacer or the courts does not verify any information to TransUnion or LCI about me the consumer after I made several request for a reinvestigation of the accuracy of information of the public record? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 U.S.C. 1681 GB- It talks about the certification of the document, the permissible purpose document and that is going to lead you over to 15 U.S.C . 1681 ( ee1 ) and ( ee2 ), where you need certification of the permissible purpose document. So before any consumer reporting agency furnishes any report theres a CERTIFICATION of PERMISSIBLE PURPOSE that must be done

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