Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.   Transunion is reporting a bankruptcy that was  discharged a s well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for ove r three  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On  XX/XX/2017    I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how TransUnion has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives an d 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I c ontacted TransUnion once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.Transunion violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as asso ciated accounts, delete from my credit report and to receive an updated report showing so.

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