Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Sometime the being on XX/XX/2023 I called and disputed my bankruptcy with someone threw Transunion. I disputed a Discharge bankruptcy due to it was dismissed and not discharge. In Just two weeks I got a letter stating that the discharged bankruptcy was verified as accurate. So I gathered up all the information from the United States Bankruptcy Court Eastern District of Missouri on my case that states that due to a failure that my bankruptcy was filed without discharge. I typed up a letter asking for them to fix or removed the bankruptcy off my report due to false reporting on their part and for all information that they have stating that the discharge bankruptcy was accurate be mailed to me. I sent that letter on XX/XX/2023. On XX/XX/XXXX I got a letter in the mail stating that they did an investigation and what they are reporting have been verified as accurate. So I called them on XX/XX/XXXX and talked to someone and asked if they got my paper, I sent to them with the letter and from the courts stating that my bankruptcy was not discharged. She kept telling me that they have the paper, but the investigation shows what they are reporting is accurate. So, I asked again for the information that they have stating that what they are reporting is accurate and all she could tell me is they don't have any. I said if you don't have any information to prove what you are reporting is accurate then I would like for the bankruptcy to be removed all together because I have the right to all information in the investigation. She told me that she couldn't do that cause what they are reporting is accurate. I asked for a supervisor. When I finally got to talk to the supervisor. I explained to her all that I told the other lady, and she told me that they did an investigation and that is was accurate and when I asked for the information on the investigation, she told me the same thing. They don't have that information. I finally got her to tell me that they get the information state from the courts. So, I asked for the information that the courts sent to them So I can see where they are getting their information. She said that she can't do that cause they don't have that information. So again, I told her that I have the right to that information and since they can't provide me with that information, I want the bankruptcy to be removed off my credit report. She told me she can't do that. I let her know that XXXX and XXXX reported that my bankruptcy was dismissed so if the courts sent them information on my bankruptcy, I am not understanding why they sent Transunion a totally different letter saying something completely different and false. She said well we get out information from a third party. So, I asked for all the information they have from that third party on the bankruptcy. They said they can't do that cause they do not have that information. I finally got her to pull up the document that I sent and all she kept saying was this document don't say that your bankruptcy was dismissed. What the letter says to be correct that All Creditors and parties in interest are notified that the above captioned case has been closed without entry of discharge. I am now waiting her supervisor to call me back in 3 business days. Since then, I have printed off the reports from the other two bureau showing that they had reported dismissed on my bankruptcy and all the court papers that I could find that says that my bankruptcy was filed without discharge, and I have highlighted and underlined all of it. As of now I am requesting that the bankruptcy be removed from my report and compensation be sent due to the fact that I could not be on my house loan due to the discharge still being reported and our XXXX loan cause of the High interest rate that I was going to get due to the bankruptcy showing discharged. I was also denied from credit cards and the information that was sent to me had the bankruptcy on the reason why I was denied. Please for the love of Gob help me get this removed off my credit as it has been reporting false for 7 years and every time I have disputed it they come back with the information in verified as accurate. 


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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