Consumer complaint received 2015-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My wife and I filed for and received a Chapter XXXX Bankruptcy Discharge XX/XX/XXXX. We moved across town shortly after that and because we moved we fond it impossible to get in contact with Transunion, XXXX and XXXX credit reporting companies for our free credit reports as entitled under the law. After XXXX moths passed we found where someone published the credit reporting names and addresses. We notified the credit reporting companies that they were still reporting balances owed on accounts that were included in the bankruptcy. The credit reporting companies and the account owners were properly and legally notified of the Bankruptcy filing and discharge. In the husbands credit report Transunion refuses to remove or correct the negative information by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, XXXX that was included in the Bankruptcy Discharge. Also in the husbands report XXXX refuses to remove or correct the negative information the negative information by XXXX XXXX XXXX. In the wife 's credit report XXXX refuses to remove or correct the negative information by XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX. Both the wife and husband wrote letters to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX dated XX/XX/XXXX challenging the credit reports we both received on XX/XX/XXXX. To date XXXX has failed to respond to the letters we wrote clearly advising them of all disputes for all of the falsely reported items including all items that were Discharged in the XX/XX/XXXX Bankruptcy. XXXX instructions on their credit report dated XX/XX/XXXX clearly instructed us to mail disputes to the afore named address. We have a large number of supporting documents that we can provide if necessary. Its clear to us that both the credit reporting companies and the creditors have little to no regard for the laws. Our attorney properly and legally notified the credit reporting companies and the creditors of the filing and discharge of our Bankruptcy. Because of the illegal negative information reported in our names we have been both denied credit and or the credit we received was at a higher interest rate than it would have been if the credit reports would of been correct under the law. The law requires the creditors to either remove negative information or show a zero balance and a statement included in Bankruptcy. We ask that you investigate to see why the credit reporting companies and creditors did n't follow the laws for reporting after a Bankruptcy Discharge, investigate why the afore named creditors even after being notified by us reused to correct the negative reported items, investigate why the credit reporting companies make it impossible to contact them in writing, investigate why when we paid for the credit reports last year the reporting companies either failed to allow us to receive our reports because we moved or provided only partial reports that did not provide us enough information to challenge the reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief