Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Discrepancies in Bankruptcy Reporting on Credit Reports XXXX Reference Number : XXXX TransUnion Reference Number : XXXX Dear CFPB, I am writing to formally request assistance regarding discrepancies in the reporting of bankruptcy on my credit reports, which is affecting my credit profile. The alleged bankruptcy was filed on XX/XX/XXXX, in the U.S. Bankruptcy Court - Sherman and U.S. Bankruptcy Court - Eastern Division but this is reported differently by XXXX and TransUnion. 

Discrepancies : XXXX Report : Reports the bankruptcy as being filed in the XXXX XXXX XXXX XXXX XXXX 

TransUnion Report : Lists the bankruptcy under XXXX XXXX XXXX XXXX. 

Relevant Details : Bankruptcy Case Number : XXXX Bankruptcy Type : Chapter 7 Discharge Date : XX/XX/XXXX Request for Validation : Despite my requests for documentation and validation from both XXXX and TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation to substantiate the accuracy of this bankruptcy reporting. Additionally, XXXX updated their files and my credit report and is NOT reporting this same bankruptcy as they couldn't provide validation for this bankruptcy. This discrepancy between the two credit bureaus raises concerns about the accuracy and completeness of the information being reported.

Legal Basis : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute and request validation of information reported on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. Inaccuracies or inconsistencies in reporting violate the FCRAs requirement for accurate credit reporting.

Accuracy Requirement : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. The discrepancy in the reported bankruptcy filing locations suggests a potential violation of this requirement.

Right to Documentation : 15 U.S.C. 1681g grants consumers the right to obtain and review their credit reports and any documentation related to disputed items. My request for documentation from both Equifax and TransUnion has been unfulfilled, which hinders my ability to verify the accuracy of the bankruptcy information.

Action Requested : I respectfully request that the CFPB intervene to ensure that Equifax and TransUnion : a. Provide accurate and consistent documentation regarding the bankruptcy case being reported from 2 separate locations. report.

b. Correct any inaccuracies or inconsistencies in the reporting of this bankruptcy immediately.

c. Update or rectify any erroneous information to reflect the correct court and case details immediately.

Thank you for your attention to this matter. I appreciate your assistance in resolving this discrepancy and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX