Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To CFPB.GOV ATTN Transunion llc This complaint is being filed due to the gross negligence Ive encountered from Transunion for their direct violations of several FCRA laws, reporting fraudulent accounts on my credit, and causing me financial duress due to their fraudulent reporting. I am including all supporting documentation to show that Ive communicated more than once with Transunion about this fraudulent bankruptcy and that I have attempted to my full ability to show them that I was a victim of identity theft ( letter sent XX/XX/XXXX ) & ( XX/XX/XXXX ). I have included in those letters the police report ( XXXX ) from the XXXX XXXX Police dept. for identity theft. Transunion ignored this as evidence. Ive also included the letter I received from the federal court house in XXXX stating that the Bankruptcy on file did not match my personal information. Again,  Transunion ignored this evidence. I had called Transunion several times since first disputing this fraudulent account and asked them who it was they verified this information with, to justify maintaining the account on my credit profile, and they never validated this account with any court house they broke the law IAW FDCPA 15 USC 1692G SEC. 809B. They stated on a call in XXXX that they only validated it with public records and in fact did not validate anything with the court house they again broke the law IAW 15 USC SEC 1692 ( G ) ( B ) FAILURE TO PROVIDE ANY LEGAL VALIDATION, which also breaks another law, IAW 15 USC SEC 16819 ( N ) CIVIL LIABILITY FOR WILFUL NON COMPLIANCE. On a side note, the letter I had received from the court house specifically states that they do NOT report any bankruptcy cases or files to any credit bureaus and will not release that information to any credit bureau IAW 11 USC 1005 CAPTION OF  PETITION. So when I found this all out and discovered that public records was really a company XXXX XXXX I communicated with them. XXXX XXXX are not connected to the federal court system at all. I disputed that information with XXXX XXXX and they have since removed it from all my public records, permanently ( see letter dated XX/XX/XXXX ). 
They understood that I was a victim of Identity theft, and apologized for any inconvenience it had caused me. 
I have included the letter from XXXX XXXX showing they deleted the record of bankruptcy off my public record. 

Because Transunion LLC is not obeying they FCRA laws, I am filing this formal complaint in hopes that they can be held accountable for their actions and gross negligence. I believe it is only fair that they be fined the maximum penalty possible due to the financial pain they have caused me. I have been denied credit several times over the past few years because of this fraudulent bankruptcy. I am considering taking this to litigation and seeking maximum fines if this account is not immediately deleted from my credit file on Transunion LLC.

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