Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion continues to report information that resulted from ID theft on my credit report. They violated FCRA 605B several times, Never give me a reason for their decisions, and hide behind " its our policy ''. If something does not meet their requirements, they are required by law to tell me that and tell me exactly what was missing or incorrect. I just got off the phone with XXXX XXXX, a representative from the specialized fraud department. She admitted the court does not report bankruptcy information to them, they use a third party vendor to obtain the information, which for information obtained before XX/XX/XXXX, would be XXXX. XXXX does not have a bankruptcy on file. So the court does not and did not report this to them, the vendor does not have a record of the bankruptcy in their records, PACER.GOV does not verify or report information to credit bureaus. My last dispute was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX claimed the court verified that dispute. Putting aside the fact that the court does not verify any information for credit bureaus, logistically, that is not possible. The court does not used Metro2 software and has no method of electronically receiving a dispute, investigating it and electronically sending it back. The dispute would have to be mailed out and it is not possible to mail something out and receive it back the next day, Even if they miraculously got metro2 / XXXX XXXX just to verify that 1 dispute, it still would not be possible because they are required to conduct a reasonable investigation and they would not be able to do that over night, while they are closed. The result reads '' we verified the information is accurate '', if the dispute was sent out to be investigated by the court or any other company, the result would specify that and would read " the company that reported the information certified to us that it is accurate. '' I asked XXXX XXXX if it was marked as frivolous or duplicate dispute, she responded with " it was closed on XX/XX/XXXX sir '' completely dodging the question, I asked her again and she said " I dont see that '' which is another dodge. Her ability to see it wasnt in question. They refuse to help, and only offer to dispute the information. If I knew for fact they were going to do a proper dispute and investigation, I would have no issues having it disputed, even though by law they are required the block the information, since simply verify ID information does not solve ID theft. ID theft by nature has matching ID information, thats what makes it ID theft. XXXX XXXX said that FCRA requires them to only dispute and FCRA does not allow them to remove items. I was blown away by the amount of false/ inaccurate information a representative from the SPECIALIZED FRAUD department was giving me. Its disgusting that TransUnion is allowed to operate like this, with little to no repercussions. 

. This bankruptcy resulted from identity theft, I did not file it nor hire an attorney to file it for me. It is fraudulent so checking the information on PACER.GOV does not verify that it belongs to me. It provides no new information. It was already known that there was a bankruptcy filed with my information, that is why it is on my credit report. I've contacted PACER and they confirmed that they do not verify the accuracy of information to credit bureaus and although PACER is associated with the court, PACER itself is not a court. The court clerk also confirmed that the court does not verify information to credit bureaus and credit bureaus. 

The accuracy of information on the public record was not what was being disputed, the entire public record is being disputed. The spelling of my name and/or social security number is not the issue, I did not claim this bankruptcy was misrouted to my credit report or it belongs to someone else with a similar name. The bankruptcy was filed using my information without my authorization or knowledge. The identity thief spelling my name correctly is not relevant. If someone steals a car and crashes it, the insurance company is not going to tell the owner who reported the car as stolen " We verified you were the driver during the accident because the spelling of your name in our records, matches the spelling of your name on the car registration '' That is what you are doing. You are using the fact that the information exists, to verify it belongs to me, after I notified you the information resulted from identity theft and supplied you as the information required by federal law. As stated in Federal statute, 605B of the Fair Credit Reporting Act, the existence of the information is not evidence the consumer knew or should have known that the consumer received any goods, services or money as a result of the information. That is exactly what you did. The court did not conduct a reasonable identity theft investigation for you regarding this and certify to you that they verified the bankruptcy was authorized by me or that I benefited from it I am appalled on the way TransUnion has handled this situation. TransUnions wilful and gross negligence violates is unlawful and unethical. This bankruptcy needs to be removed from my report. I notified you in XX/XX/XXXX, and you werepermitted 4 business days by the FCRA to have the information blocked and notify the company who reported it to you of the block and fraudulent status. It has been 3 months, you have neither blocked it nor notified the company that the information resulted from identity theft. 

I certify that the above statement is true and correct to the best of my knowledge and belief with no misrepresentation or omission of material fact. 


XXXX XXXX also said TransUnion has no access to PACER, which was an

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