Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I XXXX XXXX. XXXX contacted Transunion via certified mail on or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that there were inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a dispute letter on XX/XX/XXXX to Transunion as follows : Dear Transunion : My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ XXXX Date of birth : XX/XX/XXXX SSN : XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion : Re : File # XXXX Public Record from a XXXX XXXX Bankruptcy on XXXX  Dear Transunion : My name is XXXX XXXX. XXXX. This is a letter to request the reinvestigation of the above File # XXXX in reference to the Public Record from a XXXX XXXX Bankruptcy on XXXX. I previously disputed this public record and according to the Transunion credit Report dated XXXX XXXX XXXX report it is verified as accurate. The information from Transunion about public record items is that bankruptcy public records collected through XX/XX/XXXX, is obtained from a third-party vendor, XXXX. This bankruptcy public record is dated XX/XX/XXXX. The result of your investigation through XXXX is inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still reported to my credit file by Transunion, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX. Transunion responded on XX/XX/XXXX that the data furnisher ( s ) verified the information on my credit file and unless I have additional relevant information that supports the change I am requesting, they are not required to reinvestigate the same item ( s ) again. As a result of this reinvestigation that the discharged bankruptcy remains on the credit file and that the records are obtained through a third party vendor, XXXX. According to the Consumer Report from XXXX there is no bankruptcy reported in section 9 of my consumer records. I contacted Transunion to dispute this inaccuracy with verifiable proof and Transunion verifies public records through XXXX yet they are violating my rights as the information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Transunion refuses to correct this on my credit report.

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