Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I DEMAND FULL DISCLOSURE AND HARD COPY VALIDATION!!! 
ITEMS POSTED FROM PUBLIC RECORDFEDERAL/STATE TAX LIENS - JUDGMENTS - BANKRUPTCYA " Notice of Federal Tax Lien '' is NOT the same thing as an actual Federal Tax Lien, in the same manner that a " Notice of Foreclosure '' is NOT the same thing as an actual foreclosure. Just as an actual foreclosure requires a judge 's signature, so too does an actual federal tax lien document require a federal judge 's signature. The " Notice of Federal Tax Lien '' does not contain a judge 's signature, and merely indicates that an actual Federal Tax Lien may exist. The same validation process exist for judgments and personal bankruptcy filings. Unless a credit reporting agency can validate such a document containing a judge 's signature indicating a judgment in favor of the United States of America against me exists, or that there is an actual judgment or bankruptcy on file with a county clerk 's office, the credit bureau has a responsibility to remove the actual item of public record. 
I DEMAND TO KNOW THE NAME AND ADDRESS OF THE PUBLIC RECORD VENDOR THAT POSTED THE FEDERAL/STATE TAX LIEN ( S ), JUDGMENT ( S ) OR BANKRUPTCY. 
There are processes and methods mandated not only by the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act, but also decisions handed down through federal courts that give a specific guideline towards the validation of items of public record on personal credit files. The court 's holding in the case of XXXX XXXX v. XXXX XXXX XXXX, XXXX decided XX/XX/XXXX, gave very specific instructions regarding the validation of public records. Equifax settled this case that went class-action XX/XX/XXXX in favor of all petitioners. The credit bureaus have an obligation to fulfill all validation requests with true copy originality. 
Pursuant to 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; '' Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information ; '' and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], '' ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; '' Any item of public record must be validated through a public record vendor but public record vendors merely transfer information from federal court houses and never validate that information as required by the FCRA. Pursuant to 611 ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any informationdisputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] Verification merely indicates that a piece of paper somewhere may contain a consumer 's name ; however, validation proves that that piece of paper is what the credit report purports it to be. Therefore, I believe that the aforementioned item on my credit report should not be listed.