Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
TRANSUNION - REPORTING AGENCY I have been trying to remove a bankruptcy from my credit file for over XXXX  years that is not mine. I decided to dispute this information again for the XXXX time. Upon completion of their investigation Transunion marked the account as - VERIFIED AS ACCURATE.. Once I received the investigation results I reached out to Transunion and XXXX this is not my account and by law I am requesting a description of the investigation as it does not state on the investigation results how it was investigated or by whom verified this.. I was told this information was verified by XXXX XXXX XXXX WI by an agent. 
- I hung up with Transunion and called XXXX to verify they had a filing associated to my name. I was told ( Bankruptcy courts DO NOT verify this information to ANY credit bureau ) and that they were misleading me. So I call back to Transunion to report this and find out why I was told this. The agent that answered the phone was the same agent I had spoke with earlier. She then admitted that they do not send direct request to the XXXX as they use a XXXX party company but she could not release the company they use so I asked for a Supervisor but she transferred me to another department - DO NOT KNOW WHY... But I then spoke with another XXXX at Transunion. I explained all that I have been reporting this for the last XXXX  years and every time I dispute it with you guys I get this generic response of its been verified. So I asked her if the XXXX do not verify this via your request then who verified this information that I have been reporting inaccurate for over XXXX  years and nothing has been done. She then stated we use a XXXX party company name- XXXX XXXX to verify these types of accounts. I explain to her that I am going to call them to see why they have this info in their system about me. - I hung up with the agent at that time. XXXX I called XXXX XXXX directly and without telling them what I wanted I requested a consumer report of all the information they have in their system for me. I was asked to verify my identity which I did and the agent couldn't find me in their system. She went then into more verification questions - DL number - SS # - old and new addresses - phone numbers and etc. She then checked their sister company XXXX XXXX and couldn't find any information either. So I asked a question " If the credit bureau sent a request to verify information for me how is that done. She quoted '' There isn't anything to verify on you I can not pull up anything using your information so we would have responded to the electrical notice as no related information for the request. I then told her the agent told me to have your company submit a electronic note stating there is no file for this person but I was told XXXX XXXX do not conduct business to business that way and they are giving me the run arounds. I said thanks and hung up and called Transunion back .... Then I called them back and spoke with a different agent this time she could not tell me anything. She said she do not know the end results of investigations. I told her I was told XXXX different stories and you guys have lied about the investigation results and I want this removed immediately from my file as it has caused so much grief with my business. I was told they would resend the dispute over again and As I stated if you said you verified this once via that company then what is going to change this time. She could not answer my question, So I stated this violates my rights under the FCRA laws and I was filing a complaint with CFPB and maybe they can get involved because this is not right.. They will not send me a description of the investigation in paper form as I requested within XXXX  days. I was also told if I wait XXXX more years it will just fall off my report and that is XXXX way to handle it..

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