Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To Whom It May Concern On XX/XX/XXXX, you responded to my CFPB complaint about an erroneous Bankruptcy on my credit report. Your response to me says I have a Ch XXXX Bankruptcy which will be removed in XXXX of this year. Your mailed response says I have Ch XXXX Bankruptcy which will be removed in XXXX. You are saying two different things. The FCRA says you must keep accurate and complete information. 

You also mentioned you obtained this incorrect information from Pacer. I created my own Pacer account and discovered the case number you have on my report with Pacer has someone elses address. Pacer says this account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. I keep providing proof that my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also, Pacer does not give the entire social security number. It just says XXXX. How can you complete a thorough investigation in accordance to the FCRA when Pacer has someone elses address and doesnt have the entire social security? 

You keep reporting this public record on my credit report and I keep responding with proof that it is inaccurate. Ive even gone to the courthouse ( the original creditor ) and they said they did not give you this information. Now you are saying that I have 2 different bankruptcies that will be deleted at two different times. You did not conduct a thorough investigation. If you did you would know that there is someone in the XXXX area with the same first and last name as me who is XXXX and married. I provided proof of this and you ignore it for no reason. 

REMINDER : Simply typing in my name into a database that has inaccurate information is NOT an investigation. 

I am asking you to adhere to the law and provide me PROOF of an investigation. Meaning : People youve talked to and their contact information, documents with my signature, documents with my actual address. If you can not produce these documents then you MUST delete this from my credit report.

According to FCRA Section 5 ( a ) ( i ) If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and Your investigation resulted in an inaccurate address and an incomplete social security number. You also never produced any documents with my signature or drivers license on it. 

Attached is your CRPA response saying the Bankruptcy is Ch XXXX and will be removed in XX/XX/XXXX Attached is your mailed response saying the Bankruptcy is Ch XXXX and will be removed in XXXX Attached is Pacer document showing an incorrect address and only partial SS # Attached is a background site saying there is someone of a different race a marital status with the same name who lives at the alleged address Attached is my driver 's license with my address Attached is bank statement proving address Attached is a letter from Bankruptcy Court saying the information you have didnt come from them Attached is FCRA saying you must keep accurate and complete 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