Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lets start off with account is a court ordered discharged XXXX XXXX account that was officially discharged in XXXX. Company ( XXXX XXXX ) was officially notified by the United States Bankruptcy Court of the discharge injunction. 

XXXX XXXX has intentionally ignored and has no regard for an legal court order injunction. XXXX XXXX has no regards for consumer rights and has continued illegally and actively continued reporting the discharged account under many different status, such as account status closed, account type, open account, In collections/charge off, Account status derogatory, with a past due amount of {$1200.00} then states, account open again ( just on XXXX ) XXXX XXXX is lying , noting " verified as accurate '' claiming THEY investigated the information I disputed. Which by the way, my multiple disputes were actually NOT properly investigated at all. Maybe they couldnt access accurate account information because the account is SUPPOSED to be protected by the XXXX  XXXX bankruptcy DISCHARGE injunction. And this is why LEGALLY NO BANKRUPTCY accounts should be allowed to remain on ANY credit report! TO PREVENT INTENTIONAL FRAUDULENT UNFAIR CREDIT REPORTING! By allowing discharged accounts to remain on a consumers credit report creates a lot of problems and does not give the consumer their rights under FCRA and bankruptcy laws, a complete full clean slate that they are legally entitled to.

Allowing discharged accounts to remain on a consumers credit report allows these company to fraudulently alter account information ( as you will see in my evidence ) so that it is different from the LEGAL court documents. And all of you agencies are FULLY aware of whats going on. But VERY little is done about it. Its very obvious your goals are to keep consumer ratings, scores and profiles in poor condition to solely benefit predatory lending/predatory practice. If your company stood for whats fair and encouraged whats right, these companies, reporting agencies and unfair lending would know they would be fined and sued and put out of business by doing illegal business. 

All it takes is one person to stand up for whats right and properly handle these companies, the complaints and vultures accordingly. Hold them responsible for intentionally causing major major damage to a consumers report. Fine them and make them pay all the damages caused! 
This report has been forwarded to the United States Bankruptcy Courts. XXXX XXXX is in contempt of an court order discharge injunction and it will absolutely not go unnoticed. The courts need to know the entire ordeal after my bankruptcy with this company and how many times I disputed, how many times XXXX XXXX fraudulently altered details and how so very intentional all of their actions were.

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