Consumer complaint received 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a proper dispute with TransUnion on XXXX XXXX XXXX XXXX reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed XXXX XXXX XXXX XXXX judgments with TransUnion, sent Certified Mail on XXXX/XXXX/2015, on the grounds just stated. XXXX received my dispute on XXXX/XXXX/2015 according to USPS tracking information. 

My dispute results are dated XXXX/XXXX/2015 where TransUnion states that the results for the judgments are : 1. ) XXXX XXXX XXXX XXXX judgments were deleted 2. ) The remaining item has been updated with new information. 

As there is no such judgment of record XXXX from this Court for this date for this amount from this creditor, I requested the method of verification from TransUnion on XXXX/XXXX/2015 and they received it via USPS Certified Mail on XXXX/XXXX/2015. 

TransUnion failed to respond to my request on the manner of verification so I could address it with the Court XXXX. I sent a subsequent request, on XXXX/XXXX/2015 via USPS certified mail which was received on XXXX/XXXX/2015, requesting deletion of the inaccurate data from my credit report and noting their FCRA violations. 

TransUnion responded on XXXX/XXXX/2015 that my dispute was frivolous and they will not reinvestigate. 

I have checked with my XXXX XXXX XXXX XXXX Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached here ). In my dispute letter, I asked TransUnion to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the XXXX XXXX Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that TransUnion has not properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX XXXX XXXX XXXX XXXX Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) XXXX. Attached is a printout of the public records system that XXXX XXXX uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included a printout from the XXXX XXXX website which shows that this website used to search XXXX XXXX public records XXXX is the valid source to find these documents. 

This list shows all of the public records that exist in my name XXXX, none of which is this ( 1 ) judgment being reported in my credit file. I have also included the letter originally sent to Transunion, the credit report with disputed judgments circled, the USPS tracking showing the timeframe between the dispute being received and the results being sent, and the results of the TransUnion dispute. Please have this judgment removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation