Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TRANSUNION INTERMEDIATE HOLDINGS, INC is reporting a non-valid, fraudulent bankruptcy on my personal credit, that has resulted in me being denied credit. Ive submitted a letter I received directly from the bankruptcy court that states ( 1 ) My information does match any of their records, ( 2 ) The bankruptcy court does not submit ANY INFORMATION to any credit bureaus PERIOD. I've submitted several disputes to request their full investigation as to " HOW '', and " WHO '', they verified this to be valid with, to my surprise they did not validate the information as I was told on a phone call with XXXX on XX/XX/2018 at XXXX PST ( With the proof letter I submitted to TRANSUNION from the courthouse stating it was not a valid bankruptcy should have been enough to delete the fraudulent bankruptcy from my credit file ). 

This is WRONG as the BANKRUPTCY COURT should be the furnisher of information and not a third-party service such as XXXX  or XXXX. TRANSUNION INTERMEDIATE HOLDINGS, INC has admitted that it did not verify the " unverified '' account with the Bankruptcy Court and therefore, they never had possession of valid copies to validate this bankruptcy before putting this " unverified '' item in my credit files. I have asked TRANSUNION INTERMEDIATE HOLDINGS, INC to provide me with documents they had in their actual files before listing this item in my credit files. They have BLATANTLY refused to provide me with this information. ( 2 ) Further, I have spoken directly with the Bankruptcy Court and have attached a letter from the United States Bankruptcy Court of Washington verifying that my information does not match their records for a bankruptcy and, they do NOT report or provide any information to ANY credit agency including TRANSUNION INTERMEDIATE HOLDINGS , INC . 

This proves that TRANSUNION Credit Bureau NEVER had documents in their possession before putting the " unverified '' item ( s ) on my credit file ( s ). FCRA, Section 609 a ( 2 ) regarding disclosures : Under federal law they needed to provide actual documents showing they legally met the FCRA requirements for validation ( which they admitted they did not ). 

However, TRANSUNION Credit Bureau last response was that they " Verified as Accurate '' the bankruptcy and again failed to provide physical documentation. I have asked TRANSUNION Credit Bureau to provide me with a physical copy and their method of verification which includes : name of the courthouse, person 's name they verified with, address, telephone number, and copies of the document that they used to validate this bankruptcy. TRANSUNION Credit Bureau has blatantly ignored my request on several different occasions. They failed to provide me PHYSICAL proof of all original documents that I signed that they have on file that they used to actually verify the accuracy of said disputed item ( s ) BEFORE they listed them in my credit file ( s ). Under federal law,, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I did not request that TRANSUNION Credit Bureau issue a statement as to Item was verified. TRANSUNION admitted on a recorded phone call they simply sent an electronic communication to verify and listed no point of contact to meet minimum requirements IAW the FCRA. I requested from TRANSUNION Credit Bureau that they provide me with immediate support to delete the non-valid bankruptcy and they transferred me to their escalation department and put me on hold several times, waiting for someone to look at my documents. This indicated to me that they ( 1 ) did not properly review my documents I had certified mailed them and ( 2 ) that they failed to read the letter I included with my dispute stating directly from the court house the bankruptcy was not mine ( again according to the actual court house ). After being on hold for about 18 minutes they hung up the phone. I am beyond stressed over the way this has been handled and my personal credit has been violated by this company for far too long. 

Upon reviewing TRANSUNION Credit Bureau response, I can see that they DO NOT HAVE PHYSICAL PROOF OF VERIFICATION of said items. I demanded that in the event, that TRANSUNION Credit Bureau was either unwilling, or unable to provide to me the requested documentation, that TRANSUNION Credit Bureau IMMEDIATELY remove said item from appearing on, or in my credit files and reports.TRANSUNION Credit Bureau has refused to provide me with physical/documented proof of verification of all items that I detailed and claimed as " unverified '' accounts which is a direct and willful violation of federal consumer protection laws and or acts, i.e., FAIR CREDIT REPORTING ACT 15 U.S.C. 1681/DODD-FRANK WALL STREET REFORM and CONSUMER PROTECTION ACT 12 U.S.C. 5536 and the FEDERAL TRADE COMMISSION TITLE 15-COMMERCE and TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III CREDIT REPORTING AGENCIES. Previously I had cautioned TRANSUNION Credit Bureau NOT to respond to my prior four dispute letters by stating " said items had been verified. '' My legal demand was, and still is, that TRANSUNION Credit Bureau REMOVE/DELETE SAID ITEMS FROM APPEARING ON MY CREDIT REPORT. Again, to date, TRANSUNION Credit Bureau had yet to provide me with any requested and required physical documentation that meets the FCRA. I have the legal right to demand that TRANSUNION Credit Bureau delete the contraband bankruptcy from ever appearing on my credit file ( s ). By Federal Law/Act, they are required to provide to me the aforesaid PHYSICAL documents, proving to me that they have in fact adhered to the letter of the law regarding this matter. Under the FCRA, if TRANSUNION Credit Bureau can not, or will not provide me with the legally requested physical verification documents, then TRANSUNION Credit Bureau must delete said items from appearing on my credit report. I have attached a number of supporting documents ( copies of the previous letters certified mailed and the letter I received from the court house ). ( 1 ) letter from the Bankruptcy Court, ( 2 ) certified stamps proving that I have expended reasonable due diligent in giving the aforementioned credit bureau ample opportunity to either provide the physical documentation evidence of verification ( 3 ) copies of previous dispute letter. 

Note that the certified mail numbers are listed on the top of the sent letters.

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