Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Multiple dates, and times in the past beginning in XX/XX/2021 I've contacted TransUnion to dispute an incorrect, false, and as well as unverified account listed on my credit report as a Bankruptcy. TransUnion has provided little to no information in regards to this account. TransUnion is also reporting this so called bankruptcy on my credit file/report by listing little to no information at all. I've contacted TransUnion by phone and by mail inquiring about the source of this Bankruptcy they are reporting to my credit file, and TransUnion continues to provide me with false information as to where and how TransUnion verified this Bankruptcy as if their intentions are to cause extreme distress and harm to me. On XX/XX/2021 I sent a Method Of Verification Letter to TransUnion via certified mail questioning the process TransUnion used to verify this Bankruptcy, and who is furnisher of the verification of the Bankruptcy they're reporting to my credit file. The law states that TransUnion has 15 days to respond to my request, explaining all of the information requested in the Method Of Verification Letter to prove that the Bankruptcy TransUnion is reporting is in fact accurate on all points and every aspect possible. It has been well passed 15 days being that today is XX/XX/2021 and TransUnion has not responded to the Method Of Verification Letter questioning this Bankruptcy I sent via USPS certified mail on XX/XX/2021. I contacted TransUnion by phone to inquire about this issue, and I was told by a TransUnion agent that they are not required to respond to any Method Of Verification Letters per their policy. I then asked to speak with a TransUnion Supervisor, the agent placed me on hold then disconnected the call without remorse. I called TransUnion the very next day and I was told by an Transunion agent that they had no records of my calls and that I could not speak with a manager due to a shortage in staff. TransUnion has caused my family and I heartache, and an extensive amount of stress by purposely disregarding the law that protects me from this situation, as well as the law that governs TransUnion as a company. TransUnion 's inaccurate reporting of this Bankruptcy as well as their disregard to the law is causing my family to have to seek help/assistance for housing. XXXX, as well as XXXX have already deleted and removed this inaccurate Bankruptcy off of my credit file due to the account being unverifiable and false. TransUnion is the only credit reporting agency still reporting this unverifiable account. To prevent any further harm to my family I am requesting TransUnion to remove this Bankruptcy immediately.

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