Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally request the immediate deletion of the inaccurate bankruptcy entry listed on my credit report under the court name " XXXX XXXX XXXX XXXX XXXXXXXX '' with the reference number XXXX. The information listed is incorrect, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). I urge you to take swift action to rectify this matter. 

Details of the Disputed Entry : Court Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type of Record : Bankruptcy Reference Number : XXXX Report Number : XXXX According to a letter from the United States Bankruptcy Court in the XXXX XXXX of Illinois XXXX the court does not furnish any information to credit bureaus and is not responsible for verifying or reporting bankruptcy information to agencies like XXXX. Therefore, this entry is inaccurate, unverified, and should be removed immediately. 

Disputed Address Information : Additionally, the bankruptcy entry includes an address that I have never lived at or used in any credit-related activity : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Please provide proof that I have ever lived at or reported this address. As there is no such documentation, this address must also be removed from my credit report. 

Violations of FCRA : Under the FCRA ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. This entry is neither, due to : FCRA Section 609 : The right of consumers to receive all information reported by credit bureaus and the requirement to verify the accuracy of reported information.

FCRA Section 611 : The obligation for credit bureaus to investigate disputed items and remove unverifiable or inaccurate information.

FCRA Section 1681c ( a ) ( 1 ) : The restriction on reporting bankruptcies older than 10 years from the date of filing.

FCRA Section 1681e ( b ) : The requirement that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports.

Given that the court does not report this information and that the address is incorrect, this entry is inaccurate and must be deleted. Continuing to report false or unverifiable information is a direct violation of my rights under the FCRA. 

Requested Action : I respectfully request that you take the following actions without delay : Immediately delete the bankruptcy entry with reference number XXXX from my credit report. 
Remove the incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my report. 
Notify me of the outcome of your investigation as required by law. 
Failure to comply with this request could result in further action under FCRA provisions. I trust that you will address this issue promptly and ensure that my credit report accurately reflects my financial history. 

Please provide written confirmation once the inaccurate information has been removed.