Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The public record information TransUnion is including in my credit file related to an alleged bankruptcy is inaccurate, incomplete and not verified, and has been in full dispute for over two months. I have sent four letters to TransUnion, all by certified mail, requesting that they remove the inaccurate and incomplete public record information from my file and they have failed to do so. 
I disputed accuracy and completeness of this public record on XXXX/XXXX/16, TransUnion claims it verified XXXX/XXXX/16, however the record lists a County courthouse address, not Federal Bankruptcy Court, and lists a disconnected phone number. I requested investigation details from TransUnion on XXXX/XXXX/16, TransUnion sent a letter on XXXX/XXXX/16 describing their investigation procedure. No contact name or documentation was provided. I sent a third dispute letter to TransUnion on XXXX/XXXX/16 with a copy of a letter from the US Bankruptcy Court stating they do not report any bankruptcy filings to any credit reporting agencies. The information in the record in plainly inaccurate. The address they claim for the US Bankruptcy Court is the address for the XXXX XXXX XXXX County Courthouse, not the US Bankruptcy Court, XXXX XXXX of California, XXXX. This fundamental inaccuracy calls into question the accuracy and completeness of the entire record. I maintain the record is inaccurate and incomplete. 
In TransUnion 's letter dated XXXX XXXX, 2016, they claim to have verified the information in the record and identified the provider of the information as XXXX FEDERAL COURT XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX. They are falsely claiming a California XXXX Court verified the details of a Federal Bankruptcy case. Further, in XXXX, the court ruled that a credit reporting agency ca n't claim a court or government agency verified information simply because they do n't do it, and they would be the only party qualified to make a verification regarding this alleged bankruptcy, and they did not verify. 
The Office of the Clerk of the Court, United States Bankruptcy Court, XXXX XXXX XXXX California, has provided me with a written statement indicating they neither furnished the information nor verified the information as TransUnion has claimed. I have provided TransUnion with a copy of a letter from XXXX XXXX XXXX, of the Office of the Clerk of the Court, stating, " The United States Bankruptcy Court, XXXX XXXX of California does not report any bankruptcy filings to any credit reporting agencies. '' TransUnion is providing inaccurate and incomplete provider information in response to my request under the Fair Credit Reporting Act. I requested verification information pursuant to Section 611, paragraph ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act. In TransUnion 's reply dated XXXX XXXX, 2016, they failed to provide ( b ) the correct name of the courthouse ; ( c ) the person 's name they verified the dispute with ; ( d ) the correct address ; ( e ) the correct telephone number ; and ( f ) the documentation used to verify the dispute.

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