Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Today on XX/XX/XXXXXXXX  I spoke with XXXX XXXX at Transunion whom claimed he was a XXXX representative for TransUnion. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a " Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from Pacer and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the " bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the Transunion website it says anything filed after XX/XX/XXXXXXXX  is reported to XXXX and the " bankruptcy '' is reported filed on XX/XX/XXXXXXXX  on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with Transunion, downloading a document from PACER that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this " bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. PACER is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That " bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, lexis nexus contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the " bankruptcy " I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and Transunion should not be allowed to get away with violating my rights.

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