Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 letters to XXXX, XXXX and Transunion disputing the bankruptcies appearing on my credit reports. I never received a response from the bureaus from the disputes so I resent the disputes again XX/XX/XXXX. I then received response from the bureaus stating that they have verified the information as accurate. XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding the bankruptcies appearing on my credit reports. These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. This request was made in accordance with the FCRA, Section 609 a ( 2 ). XXXX deleted the bankruptices and Transunion deleted one of the bankruptcies. XXXX  did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me with the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). Transunion stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me with the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). XX/XX/XXXX I therefore sent FINAL letters to XXXX  and Transunion regarding the bankruptcies appearing on my credit reports. Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. This request was made in accordance with the FCRA, Section 609 a ( 2 ). 

This is sadly a lackluster response which unfortunately, does not surprise me based on the prior responses I've received from Transunion. Transunion 's response FAILS to address the core issue, which again is the " SOURCE '' of information. Who is the " SOURCE '' of information providing Transunion information regarding Bankruptcy filing # XXXX? Pursuant to the FCRA, Section 609 a ( 2 ), I have asked multiple times who is providing the information regarding Bankruptcy # XXXX to Transunion and placing it on my credit report. The Bankruptcy court has stated on several occasions that they are NOT providing this information to Transunion making it clear that the Court is NOT furnishing the information. The Bankruptcy court is not a " Creditor '' nor " Credit Grantor '' by any definition and DOES NOT furnish information to Transunion or any of the other credit bureaus. It appears that Transunion is gathering the information and placing it on my credit profile at their own behest. I have not been able to locate any where in the FCRA that states that Transunion may gather information from public records and place it on my credit profile and Transunion has not specified where that information can be found. I therefore request that Transunion within 14 days, provide me with legal evidence which gives Transunion legal authority to place information they choose at their own behest onto my credit profile. If Transunion within 14 days, is unable to provide me with the legal evidence that gives them legal authority to place information they choose onto my credit profile, then I request Transunion permanently delete the item Bankruptcy filing # XXXX from my credit profile. I will also recommend the CFPB seek other consumers with this same issue for potential class action lawsuit.

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