Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Transunion, I am writing to dispute the inaccurate and damaging information being reported on my credit report regarding my bankruptcy. I believe that your company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by selling, transferring, and reporting inaccurate information to potential creditors. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. Furthermore, the FDCPA prohibits debt collectors from using false, misleading, or deceptive practices when collecting a debt.

I am requesting that Transunion contact the United States bankruptcy court to verify the accuracy of the information being reported. I also request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : -A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. -Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. -Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. -Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. -Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings.

I would also like to remind Transunion of their duty to report accurate information and not engage in any practices that may be considered defamation of character or misrepresentation of creditworthiness. Any such actions may result in potential legal action.

Furthermore, I would like to point out that information is being falsifying reported to the credit bureaus, and is being retrieved from data furnishing companies who are not actual data furnishers and without the necessary paperwork to accommodate a furnisher, which is also considered fraudulent and a criminal act. If this is not rectified, I will contact the Attorney General and the Federal Trade Commission, as well as local Congress representatives to report this issue.

Thank you for your attention to this matter. 

Attached information : XXXX XXXXXXXX XXXX XXXX  bankruptcy, address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, last four social XXXX, date of birth XX/XX/XXXX XXXX

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 non-monetary relief