Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/XXXX I disputed the bankruptcy on my TransUnion credit report. The letter stated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX XXXX, OH XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( this information should come directly from your credit report ) Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX XXXX violated my FCRA rights because they didn't investigate my dispute and only handled it one or two days after it was received on XX/XX/XXXX by certified mail. 

When I received their response letter to my dispute on XXXX, they listed a data furnisher of the XXXX XXXX XXXX  XXXX XXXX XXXX. When I contacted the court, they confirmed that they don't furnish any data to credit report agencies and provided me with a letter as proof. It is attached. I also contacted XXXX which also provided a letter stating that I didn't have any bankruptcy information on my XXXX consumer report. I have attached this letter as well. Transunion 's website states that they also verify information via XXXX for XXXX  before XXXX XXXX, XXXX. I have attached this info as well. I also attached a previous copy of the letter from the bankruptcy court from XX/XX/XXXX that stated that the court didn't furnish XXXX  information to credit reporting agencies. 

I responded to the dispute on XXXX with all of this information which I have also attached to this complaint. The information arrived on XXXX at Transunion by certified mail ( tracking number # XXXX ). The details of my re-dispute letter are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In re : TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it concerns, I have previously disputed this item with you : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX In response you verified the item as accurate, stating that you have verified the information with the court. I have already contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) and the information must be deleted immediately. 

Upon further investigation, XXXX has also confirmed that there isn't a bankruptcy on my XXXX consumer report and the documentation is attached. Your website states that you also use XXXX to verify bankruptcy information using XXXX that were public records before XX/XX/XXXX. It also states that XXXX wouldn't provide information regarding bankruptcy public records since the referenced bankruptcy being reported occured before XX/XX/XXXX. I have also included documentation directly from the TransUnion website. The link below is directly from the TransUnion website : https : //www.transunion.com/legal/public-records Since both utilized sources, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX not reporting the bankruptcy to TransUnion so XXXX is inaccurate and needs to be deleted from my credit report immediately since my rights under the FCRA are XXXX violated. 

Sincerely, XXXX XXXX XXXX XXXX business days, Transunion completed the investigation for my dispute and referenced the bankruptcy court again, and claimed again that the data was furnished from the " XXXX XXXX XXXX XXXX. '' I sent them all of this information and they didn't review it at all. I also confirmed in writing with the bankruptcy court that it didn't furnish the bankruptcy data that is included on my Transunion credit report. Transunion has again violated my FCRA rights by not re-investigating my dispute and needed to review my supporting documents and didn't.

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