Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and TRANSUNION responded stating that they verified the information. However, I provided proof via a letter from the XXXX Bankruptcy XXXX that they in fact did not. 

Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts have mailed me a letter that emphatically stated that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. Credit reporting agencies, and/or other third-party providers collect information regarding public cases from public records. Public records information is NEVER validated by the XXXX Court System due to the XXXX XXXX XXXX XXXX PRIVACY LAW. My inquiry to the XXXX Bankruptcy XXXX confirmed that Transunion and XXXX Credit Bureaus never validated or verified these public record entries on my credit report. Neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third-party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The TRANSUNION and XXXX Credit Bureaus need to provide me with copies of all documentation associated with these Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance of FCRA laws and guidelines, all the information listed under XXXX XXXX needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. 

Per Federal Law, you have exactly 30 days to complete this investigation as outlined in the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent and erroneous account information. As such, since the public record information has not deleted from my TRANSUNION and XXXX credit reports within the required 30 days, I want to file a complaint with the Consumer Financial Protection Bureau and the Federal Trade Commission. In addition, I plan to file a small claims action against TRANSUNION and XXXX XXXX XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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