Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to credit bureaus. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 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 consumer 's 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 consumer 's 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 a 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. 

On my TRANSUNION report there is a " according to 15 US Code 1681a 2 ( A ) I excludes information that is solely based on transactions or experiences between the consumer and the creditor. How does TRANSUNION know how much I paid for bankruptcy? THIS IS ERRONEOUS REPORTING AND I DEMAND A DELETION OF THISB BANKRUPTCY ACCOUNT.

I AM EMOTIONALLY DISTRAUGHT AND TIRED OF TRANSUNION REPORTING THIS BANKRUPTCY AS SUCH AND IT COMING BACK VERIFIED FROM XXXX. 

YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND A DELETION. THIS IS MY LIFE THAT IS ON STAKE HERE, MY CREDIT WORTHINESS, AND DEFAMATION MY CHARACTER. DELETE I ALSO SUBMITTED THE CASE SUMMARY AS OF XX/XX/2023 SHOWING YOU THE ERROR OF THE CASE NUMBER THAT IS BEING REPORTED INACCURATELY AND INCORRECTLY. THIS INFORMATION IS NOT THE SAME AS PACER AND THEREFORE YOU HAVE NOT GOTTEN YOUR INFORMATION FROM THE COURTS BECAUSE THEY DO NOT VERIFY WITH CREDIT BUREAUS. 

DELETE THIS ITEM FROM MY TRANSUNION CREDIT REPORT immediately!! STOP VIOLATING MY CONSUMER RIGHTS AND THE RIGHT TO MY PRIVACY!!

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