Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
3 MONTHS AGO I WANTED TO PURCHASE A HOME FOR MY FAMILY, UPON GETTING PRE QUALIFIED MY REALTOR INFORMED ME OF A BANKRUPTCY REPORTING ON MY CREDIT REPORT FROM US.BANKRUPTCY COURT XXXX  DISTRICT OF MICHIGAN THAT IS PREVENTING ME FROM OBTAINING A MORTGAGE, I IMMEDIATELY CONTACTED TRANS UNION VIA CERTIFIED MAIL AND CHALLENGED THAT BANKRUPTCY BECAUSE I HAVE NEVER FILED BANKRUPTCY AND NO BANKRUPTCY IS REPORTING ON MY OTHER CREDIT REPORTS NOR ARE THEIR ANY ACCOUNTS DISCHARGED, OR INCLUDED IN BANKRUPTCY SHOWING ON ANY OF MY CREDIT REPORTS, I ALSO INFORMED TRANS UNION LLC THAT I AM A VICTIM OF IDENTITY THEFT AND THAT ITEM COULD BE REPRTING DUE TO A MIX UP OF INFORMATION. I PROVIDED TRANS UNION LLC A COPY OF MY POLICE REPORT, AND A FEDERAL FTC IDENTITY THEFT REPORT TO SUPPORT THESE CLAIMS, I THEN REACHED OUT TO THE ORIGINAL FURNISHER OF THIS INFORMATION AND THEY SENT A CORRESPONDENCE BACK TO ME STATING THAT NO FILE WAS FOUND WITH THE INFORMATION I SUPPLIED TO THEM, AND THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENICIES, AND THAT THIS PROBLEM HAS BECOME SO BIG THEY HAVE PUT A STATEMENT ON THEIR WEBSITE STATING THAT THEY DO NOT REPORT ANY INFORMATION TO ANY CREDIT AGENCIES, I SENT ALL THIS INFORMATION TO TRANS UNION LLC, THEY STILL SENT ME BACK A RESPONSE STATING THAT US BANKRUPTCY COURT EASTERN DISTRICT OF MICHIGAN VERIFIED THE BANKRUPTCY ON MY CREDIT REPORT. I THEN ASKED TRANS UNION LLC TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION, EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) TO REQUEST A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY DISPUTE, SINCE THE ORIGINAL FURNISHER OF THIS INFORMATION ( US BANKRUPTCY COURT XXXX  DISTRICT OF MICHIGAN ) HAS MADE A PUBLIC ANNOUNCEMENT ON THEIR WEBSITE STATING THAT THEY DO NOT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES. TRANS UNION LLC HAS NOT YET ( 3MONTHS LATER ) PROVIDED ME WITH ANY INFORMATION REGARDING HOW THEY VERIFIED THIS INFORMATION AND HAS COST ME AND MY FAMILY TO MISS OUT ON NUMEROUS OPPURTUNITYS AS WE CAN NOT GET A LOAN BECAUSE OF THE INCORRECT ITEM ON MY CREDIT REPORT, I JUST WANT TO KNOW THEIR SOURCE SO I MAY CONTACT THAT SOURCE TO CLEAR MY NAME AND GET EVERYTHING STRAIGHTENED OUT SO ME AND MY FAMILY CAN MOVE, TRANS UNION LLC HAS DENIED ME MY RIGHTS UNDER FCRA 611 ( A ) ( 7 ) I HAVE ALSO REACHED OUT TO TRANS UNION LLC ABOUT 2 FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT XXXX XXXX  XXXX, XXXX XXXX, BUT YET AGAIN I WAS DENIED MY RIGHTS AND TREATED AS IF I HAVE DONE SOMETHING WRONG, I HAVE ATTACHED MY STATE ID AND SOCIAL SECURITY CARD TO THIS COMPLAINT ALONG WITH THE STATEMENT FROM THE US BANKRUPTCY COURT XXXX DISTRICT OF MICHIGAN STATING THAT THEY DO NOT REPORT ANY INFORMATION TO CREDIT REPORTING AGENCIES, ALONG WITH MY POLICE REPORT AND FTC FEDERAL IDENTITY THEFT REPORT. THIS IS EFFECTING MY EVERYDAY LIFE AND CAUSING ME AND MY FAMILY STRESS, AND PAIN.AND SUFFERING.

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