Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency into a public record entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX and that I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 

On XX/XX/2018, I mailed a notice to TransUnion in an effort to have the inaccurate item removed or for the credit bureau to produce written documentation, in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request. I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verified it, the information is sent back to TransUnion. I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I contacted TransUnion once again and spoke with another representative, this time he advised me the information is verified by a runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me, unfortunately, I can not provide you with any information in regard to our investigation. He also doubles down, I can not comment on that, because that is XXXX policy that we can not disclose the source of any investigation. He advised me that they use a form which is sent to the courthouse. I asked what type of form and exactly where the form is sent as the court clerk confirmed that they do not verify any information with the bureaus. 

Furthermore, I asked if he could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I provide a letter from the Bankruptcy Court and the others XXXX and XXXX regarding my security freeze to validate my claim. I am requesting assistance in getting this ongoing issue resolve. 

Respectfully, 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 explanation