Consumer complaint received 2022-02-15
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:
On XX/XX/XXXX, I sent a letter via certified mail asking TransUnion to verify their method of verification for the XXXX XXXX Bankruptcy that they are reporting on my credit report. They responded with a letter dated XX/XX/XXXX stating that the data furnisher has previously verified the reported information. They did not disclose who the data furnisher was but provided a link in which to see who indeed did provide that information. Upon clicking the link, I saw where they showed that XXXX XXXX provided that information to them ( TransUnion ). However, on XX/XX/XXXX, I received an updated copy of my report from XXXX XXXX and a cover letter stating they had removed the Chapter XXXX Bankruptcy from my credit file. On XX/XX/XXXX, I wrote via certified mail explaining to them that they could not have verified such information to still be accurate because XXXX XXXX had removed that information therefore there was no way that they had it verified as accurate. I provided documentation to them from XXXX XXXX, the letter from the Bankruptcy court stating they do not provide that information to any credit reporting agencies yet they still did not acknowledge the additional documentation provided. On XX/XX/XXXX, TransUnion responded with the same letter stating they had received information from the data furnisher previously validating the inaccurate report of the Chapter XXXX Bankruptcy. After 2 previous attempts to have this information reinvestigated with no success, I filed a complaint being you ( Consumer Financial Protection Bureau ) on XX/XX/XXXX explaining my attempts. It was complaint number XXXX. You sent the complaint to TransUnion. TransUnion responded on XX/XX/XXXX stating they would investigate the matter and you closed the case. No follow-up was done to ensure a proper and thorough investigation. On XX/XX/XXXX, I sent another letter to TransUnion via certified mail informing them of my third request to have this situation completely investigated. On XX/XX/XXXX, I received another response from TransUnion stating for the third or more times that they had verified that information once again. I sent another response via certified mail on XX/XX/XXXX, providing the additional documentation showing that their verification was not nor could it be accurate due to the Chapter XXXX Bankruptcy being recently removed from my credit file with the data furnisher XXXX XXXX with whom they said verified the information from the beginning. 
On XX/XX/XXXX, I received another response from TransUnion with the exact same Information stating they had verified the information from the data furnisher. 
At this point, we have gone around and around about something they clearly are not investigating because there is no record of a Chapter XXXX Bankruptcy on my XXXX XXXX file. You all have not assisted with this matter in any way to gain a resolution. I am no longer doing this with either of you and my next plan of action is to file a complaint with the FTC. I have attached all documentation and hope to get a resolution soon.

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