Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I, XXXX XXXX XXXX authorized representative for the ALL CAPS legal fiction XXXX XXXX XXXXXXXX, heretofore known as Affiant states for the record and on the record, that I reserve all my natural/common law rights.

You have listed inaccurate items on my credit file, and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.

I attached a copy of a letter from the United States Bankruptcy Court stating that they did not provide information to the Credit Bureaus. A signed copy of a letter with a notarized affidavit, that clearly stated that the United States Bankruptcy Court did not provide the Credit bureaus with my bankruptcy information. The credit bureaus in fact collected said information from public record by which is legal to obtain but adding that information to my credit report is a violation of the Fair Credit Reporting Act ; here forth also known as ( FCRA ). I previously have sent signed affidavits requesting the source and or original credit from which they received said information that is on my credit report. They have failed to produce the information I requested, this will be my final attempt before I take legal action in a court of proper jurisdiction and seek damages. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information EXCLUDED from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of Entry of the order for relief or the date of adjudication, as the case may be, antedates the report by more than 10 years.

As you can see in 605 ( a ) the information is to be excluded for a period of ten ( 10 ) years from my report. After that time frame then that information may be added.

613. Public record information for employment purposes [ 15 U.S.C. 1681k ] ( a ) In general. A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumers ability to obtain employment shall ( 1 ) at the time such public record information is reported to the user of such consumer report, notify the consumer of the fact that public record information is being reported by the
consumer reporting agency, together with the name and address of the person to whom such information is being reported ; or ( 2 ) maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumers ability to obtain employment is reported it is complete and up to date. For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up to date if the current public record status of the item at the time of the report is reported.

( b ) Exemption for national security investigations. Subsection ( a ) does not apply in the case of an agency or department of the United States Government that seeks
to obtain and use a consumer report for employment purposes, if the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ).

The above statue is the only statue for public record information collection and it is for employment only.

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