Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and a Chapter XXXX Bankruptcy. I contacted TransUnion on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , and New Jersey Federal Bankruptcy Court- XXXX in the file TransUnion maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Reference Number XXXX states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested TransUnion to please validate this information with New Jersey Federal Bankruptcy Court- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file TransUnion maintain under my Social Security number. I reminded TransUnion that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I kept careful records of TransUnions actions, including TransUnions Method of Verification. I did not consent to XXXX or any means of automated verification. While TransUnion conducted their investigation, I contacted the New Jersey Federal Bankruptcy Court- XXXX via certified mail and return mail. In respond to my certified letter, the New Jersey Federal Bankruptcy- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. In addition, I contacted XXXX XXXX XXXX, via certified mail, a third-party vendor that provide or sales public records to local, state, and federal courts to TransUnion. I requested a security freeze of the credit file they maintain under my Social Security number. XXXX XXXX XXXX placed the requested security freeze on the account bearing my Social Security number. TransUnion reported on XX/XX/XXXX that my account bearing my Social Security number was verified and information updated. Therefore, TransUnion has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, TransUnion has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. TransUnion has violated the FCRA and I request that remove ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the New Jersey Federal Bankruptcy- XXXX . TransUnion continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number.

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