Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to this company on several occasions only to find that Transunion is by definition committing FRAUD and withholding information from me as a consumer. Fraud defined : wrongful or criminal deception intended to result in financial or personal gain. See below for how their actions are criminal and fraud. " 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Transunion was given an opportunity to correct the errors of a public record on my credit report. They were provided with the Unverifiable results and deletion from XXXX XXXX that was completed on XX/XX/2023. As of XX/XX/XXXX, Transunion claims to have completed a " REINVESTIGATION '' of the disputed item and verified as accurate through their third-party vendor. I requested their method of verification as to who their third-party vendor is so that as a consumer, I can correct errors on my report. Instead, I am sent a generic letter of their Investigation Procedures that has nothing specific to my request or states who they used to verify fraudulent information being used against me. I can only see online that they have used XXXX XXXX but without Transunion providing me with who specially is verifying this information about me, how can I possibly defend myself against this fraud? If they do use XXXX XXXX like most things online show they do, they why commit fraud against me and criminally lie? What does Transunion have to gain by reporting this unverifiable public report against me? 
As you'll see in the attachments, XXXX XXXX deleted the Public Record Bankruptcy from my credit file because it was UNVERIABLE in XXXX XXXX. This equates to FRAUD and goes completely against the FCRA which is not a guideline, it is the governing law they must abide by. The public record must be removed immediately. The FCRA on this topic provides me as a consumer with the right to complete, accurate, and fair reporting. I requested the information as to what third party vendor was used to verify this public record so that I could attempt to correct it at the source. The courts deny speaking with the credit reporting company, XXXX  denies reporting any information to them, and XXXX XXXX deleted the unverifiable information which this company claims to use as their third-party verification online but refuses to state in their vague response letter to me. So, if Transunion is verifying this fraud as accurate and not using the BK Court, XXXX, or XXXX XXXX. Who are they using for method of verification? Simply put, Transunion has lied and needs to correct this immediately by deleting this Public Record Bankruptcy off of my credit report using my SSN.

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