Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Transunion a letter disputing the validity of the alleged bankruptcy they are reporting on my credit report. They responded with a letter on XX/XX/XXXX stating that they are investigating my request. On XX/XX/XXXX I sent Transunion the 2nd verification request letter. I sent Transunion a 3rd verification request letter. Transunion responded XX/XX/XXXX that they are investigating. I received a letter from Transunion XX/XX/XXXX stating they are " verified '' this item through the US Courts. I went directly to the US courts to dispute the item in question and was told that the US Court do not verify this item with the credit bureaus. I then sent Transunion another letter on XX/XX/XXXX advising them to confirm who they are verifying their information, and if they are unable to verify the information per the CRA they must remove incorrect information. Transunion responded XX/XX/XXXX again with the same letter stating the US court and how they are not required to reinvestigate the same item. I submitted my last verification request to Transunion XX/XX/XXXX advising them that the information they have is correct and how I have attached the same Court letter multiple times that has reflected the court does not share anything with the credit bureaus and how I would need to contact the credit bureaus. Transunion then responded on XX/XX/XXXX with the same information about the US court being the way they verified the bankruptcy. XX/XX/XXXX received a response from Transunion stating they verified the bankruptcy through the US court. Filed dispute on line XXXX and received results stating the bankruptcy is verified through the US Court. 

Transunion process of verification has a discrepancy. On Transunion Website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they tell consumers if the bankruptcy was collected after XX/XX/XXXX to reach out to XXXX. I reached out XXXX multiple times and XXXX mentioned how I should reach out to Transunion. As a consumer, someone should thoroughly investigate this. 

We already know that the bankruptcy court is not a way that the bankruptcy is not verified. I attached documentation that reflects this XXXX has yet to send me my consumer report and to do a thorough investigation of their method of verification Transunion just keep closing my disputes out telling me the bankruptcy is verified through the bankruptcy court. 

I have reached out to multiple people and as a consumer, this doesn't make any sense. I also mailed a letter to Transunion -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX has had two complaints open and they are still reporting the bankruptcy even after I provided XXXX XXXX  response with the removal of the bankruptcy. Please remove the bankruptcy. I have already provided the necessary documents. The court is not the method of verification. I already reached out to the third party vendor XXXX XXXX which is one of the many attachments.

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