Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
On XXXX/XXXX/XXXX I called Transunion and disputed a Bankruptcy ( Docket # XXXX ). The representative stated that the dispute would take up to 30days. On XXXX/XXXX/XXXX I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion on XXXX/XXXX/XXXX and spoke to XXXX. I asked him how the dispute was verified and also the source of verification. XXXX advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in XXXX IL and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told XXXX that it is physically impossible for Transunion to mail a letter out on XXXX/XXXX/XXXX and already have received it back from the bankruptcy court on XXXX/XXXX/XXXX which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy Court ( XXXX ) and spoke to XXXX. I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor XXXX from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep XXXX had said. XXXX then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCRA a Consumer has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from the 3rd party vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with XXXX and I immediately called Transunion back. This time I got a rep named XXXX and I asked him how my Bankruptcy was verified. He stated that a Transunion rep or 3rd party rep for Transunion drive to the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA. Transunion responded back to my CFPB complaint and did not address the issue nor provide name of the third party agency that supposedly verified the bankrupcty

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