Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Previously, I sent a complaint to you all about a public record on my account. Below is the complaint and the response from the company below.

What is this complaint about? This complaint is related to a problem with Transunion and XXXX  displaying a public record ( bankruptcy ) inaccurately on my credit report. Step 2 : What type of problem are you having? The problem is I reached out to U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA, which is the issuer of data on my Transunion and XXXX  credit report, to see how they receive information to put in my credit report. To my surprise, the courts informed me that they do not issue out information to the credit companies. Step 3 : What happened? I then reached out to Transunion and XXXX  disputing the item ( public record ) but their investigation resulted into a verification with the data issuer, but how can they say they verified it with the data issuer when the enclosed letter I have provided clearly states that they ( the court ) does not issue out information to credit companies. As a result, I froze my XXXX XXXX, XXXX, and XXXX accounts considering they are the leading providers in giving 3rd party information. Considering that this is reported inaccurately, I would love for you to have them remove the public record off of my XXXX   and Transunion credit Report. Step 4 : What company is this complaint about? The companies I am complaining about or Transunion and XXXX, XXXX XXXX, XXXX, and others. Step 5 : Who are the people involved? Myself XXXX XXXX XXXX and the employees of Transunion, XXXX, XXXX XXXX, XXXX, and XXXX. Please help me. This is terribly effecting my score. 



Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we initiated investigations into the Bankruptcy account on your TransUnion credit file. In response to the investigation ( s ), the disputed information was verified or updated accordingly and the results were forwarded to you for review. Based on CFPB complaint, the documents you provided regarding the bankruptcy did not meet TransUnions criteria to make any update to your credit file. Bankruptcy information is public record and you may view your bankruptcy information on the Public Access Court Electronics Records Database at www.pacer.gov. You would just need to register to obtain public access. You may also contact the Bankruptcy Court at ( XXXX ) XXXX. The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnions policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. The estimated month and year this item is scheduled to be removed is XX/XX/XXXX. As outlined in the Fair Credit Reporting Act, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from the creditor or courthouse, billing statement, letter from the IRS, cancelled check or money order showing payment, etc. ), we are not required to reinvestigate the same item ( s ) again at this time. If you do have additional information to support your dispute, you may upload it via transunion.com/dispute and we will conduct a reinvestigation. If you disagree with this result, you may add a consumer statement of 100 words or less to your credit report explaining the details of why you disagree. Please note : if you provide a consumer statement containing medical information, you expressly consent to allow TransUnion to include this information in every credit report we issue about you. You may also contact the data furnishers directly to discuss the item ( s ) using the contact information provided on your investigation results dated XX/XX/XXXX. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX  ET. Please visit https : //www.transunion.com/credit-disputes/credit-disputes-faq for frequently asked questions about your credit report. 


Obviously, from the above correspondence, I was given misleading information within my 30 day window when I first disputed the public record back in XX/XX/XXXX. If you would please, look at the attached letters I sent to TransUnion and the letter that they sent me on XX/XX/XXXX. They failed to verify the issuer of information on several/ bot occasions. Read what I requested from them in my letter and how they replied. They listed the courts as the issuer of information and did not say anything about XXXX to me in the letter. From looking at your results that mentioned, XXXX  and a few other 3rd party companies that get provide information to the credit companies. This item should be deleted off of my Tranunion credit report for false and misleading information. XXXX nor XXXX XXXX in not listed in my credit report as the issuer of information. Therefore, TransUnion failed to verify the company accurately and correctly to me as the customer or consumer. They did it with you guys but not with me. Read the attached letter they sent me. Please have them remove this item immediately because they gave me false and misleading information during the verification process. Please re-investigate upon this new evidence. Thanks

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