Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/XXXX I sent in a dispute to TransUnion about in accuracies on my credit report. In all there were 10 accounts that I disputed of which three were public records for bankruptcies. On XX/XX/XXXX I received a correspondence from Trans Union listing the results of their investigation. Every item that was disputed was either updated or verified as accurate. On the same day I also received a letter from TransUnion outlining their investigation procedures. The contents of that correspondence which I have records of stated that the names, addresses, and phone numbers of the furnishers of information that were contacted to verify the accuracy of these listings. The correspondence also listed the results of the investigation. Trans Union stated in the correspondence that the 2 courthouses reporting bankruptcies on my name verified that the listings were accurate. It clearly lists the courthouse addresses and phone numbers both of courts which are correct. I, however, have a letter from the bankruptcy clerk of the XXXX  district of Iowa and also a letter from the US Bankruptcy Clerk in the XXXX  district of Mississippi. Both letters clearly state that they never verified this information with Trans Union or anyone else for that matter and that they would be could use Pacer which is a third-party data furnisher. Trans Union did not say whatsoever in their correspondence that they used Pacer to verify these records. The letter clearly states that the courts were contacted and it lists a phone number and an address for the courts. How could they have verified this with the courts when I have letters stating that this is not at all true or factual. And if they did contact them what proof did they receive that verified the records? Also very telling is the fact that Trans Union stated in their correspondence that these records were verified as accurate sometime after my dispute which is dated XXXX. However the date updated section on the public echoed clearly show these have not been updated since the filing of my dispute The US BK Docket # XXXX according to Transunions records hasnt been updated since XX/XX/XXXX US BK Docket # XXXX has not been updated since XX/XX/XXXX and US BK docket # XXXX was last updated XX/XX/XXXX. Also according to my records these docket numbers listed on my credit file are inaccurate. Every listing for a Bankruptcy has the judges initials in that docket number. Even the shortened versions include letters. That is posted on the US courts Website which I took a screenshot of and am including in this complaint. These docket numbers listed are incorrect yet Transunion is stating they were verified directly by the courthouse. That also contradicts with what their website says on there it list that it verifies public records through a company called XXXX XXXX. Although on the credit report they sent me nowhere in its entirety did it mention that company ( XXXX ) verified or participated in the verification of these public records in any way shape or form. These docket numbers are invalid and do not apply to any Bankruptcy ever filed period. Unless the federal laws have changed and judges initials are no longer listed in those docket numbers. Transunion also verified incorrect information with XXXX XXXX XXXX who later admitted that the wrong information had been reported. They had knowledge the account updated incorrectly however the information was not removed. Transunion also said they verified information with XXXX XXXX  for 2 accounts one with XXXX and one with XXXX XXXX. However according to their own records these accounts have not been updated both state last updated day of XX/XX/XXXX, well before a dispute was ever filed. However the credit limit in these somehow updated in the dispute which is incorrect. Even though it states it hasnt been updated since XX/XX/XXXX Transunion somehow still updated the account. Unbelievable. The XXXX/XXXX says it date updated, high balance, and credit limit It states the credit limit on both accounts XXXX/ XXXX and XXXX /XXXX XXXX was XXXX $ and also XXXX $ for the high balance on both accounts. Ive never heard of credit cards with 0 limits and ironically the date of last payment section is not included for the XXXX XXXX but XXXX has one. That date is also incorrect. I have included screen saves of those accounts from older credit reports which clearly state a very different credit limit and high balance. Also XXXX XXXX XXXX updated and verified but the date listed on their own records ( Transunions ) just does not reflect the correct date information. If the account was verified during the disputes between XX/XX/XXXX and XX/XX/XXXX which is the date of their results from the investigation then the account dates should reflect that the creditor went in to update that information between those time frames. It just does not seem right to me at alI I just can not understand understand this. Their record keeping needs to be updated. I have been in limbo for months trying to prove to them that this information is incorrect and should be deleted from my credit report. With a review of my records and theirs anyone could clearly see their is a discrepancy in the information and it is not reporting at maximum accuracy.

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