Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed information contained within my credit reports to the XXXX major credit bureaus and I have been made aware that LCI is XXXX of the companies confirming that the information is verified accurate. I have this in writing from LCI in regards to TRANSUNION. 

LCI does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LCI not have my consent, they can not verify the information is accurate, which it is not. 

The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX Alabama inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. 

In a written notice from LCI they state that the information is accurate from their investigation. LCI also went as far as enclosing a document which would appear to be from the US Bankruptcy Court however it is on a FAKE LETTERHEAD and to my knowledge that's FORGERY which during my time in law enforcement it was a felony then as I'm sure it is still today. I know the document did not come from the clerks office because I have on an official letter with official letterhead from them I will attach to this complaint. Also, in LCI 's letter addressed to me, they state if there are errors or any inaccuracies I should take them up with the courts. As stated above the courts do not, report, verify, or correct information. The lady at the clerks office even said that human errors happen all of the time and there is nothing they can do to correct them. So if LCI verified the information, why would LCI even have a way to correct errors or inaccurate information? LCI can not and did not verify unverifiable information about me. 

Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX  does not contact consumer reporting and credit reporting agencies. '' Simply put, LCI LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! 
There are several examples of Adverse Actions being taken against me as a consumer because of LCI reporting of XXXX information.

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