Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing you this about this case because I previously disputed this item with you XXXX XXXX / Reference Number XXXX And in the response transunion verified the information with the court they said. I contacted the court in their response is bankruptcy courts do not furnish anything to consumer reporting agencies because they know it is fraud. I have letter from this stating that It is clear they do not report to you or to any bureau for that matter Either way the reporting requirements do not comply with FCRA I ask the information be deleted immediately you guys are in violation I also attached letter from XXXX XXXX showing no such account exists Violations 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 usc 1681a- ( XXXX ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( e ) 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. 
Congress makes it clear that a consumer has a right to privacy. They never define What privacy is because only Me the consumer can define what privacy is to me. XXXX And Transunion Going out and fishing for negative information about me And the information dont belong to me or is not accurate is an infringement upon a consumers Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). 

Im not looking for this company to reinvestigate this account because it does not belong to me also Im asking it be remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account because clearly they lied saying the court did I have proof also send me copy showing they deleted out they system I demand that this item be removed immediately and my credit score be adjusted accordingly. In addition I am requesting a copy of my updated credit report reflecting these changes be sent to me immediately. I truly appreciate your attention in this case.

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 non-monetary relief