Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting a complaint against XXXX regarding the inaccurate reporting of my public records, specifically related to a XXXX XXXX bankruptcy. The details of my complaint are as follows : Inaccurate Bankruptcy Information : Credit Reporting Companies : TransUnion, XXXX, XXXX Bankruptcy Status : XXXX XXXX Bankruptcy, listed as discharged by all three credit reporting companies. 
Dates : TransUnion : Filed on XX/XX/XXXX, Closing Date XX/XX/XXXXXXXX XXXX  : Filed on XX/XX/XXXXXXXX Closing Date XX/XX/XXXXXXXX XXXX  : Filed on XX/XX/XXXXXXXX Closing Date XX/XX/XXXXXXXX  Reference Numbers : Different reference numbers across agencies : XXXX, XXXX, XXXX. 
Discrepancies in XXXX Response : On XX/XX/XXXXXXXX XXXX stated that the disputed information was " verified as accurate, '' They listed Plaintiff Attorney : XXXX XXXX XXXX, I do not know this person nor has this person been an Attorney in Texas. 
They incorrectly reported my public records as associated with several different court case docket numbers starting with XXXX, which I do not recognize. 
The address provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) is unrelated to my personal records, and there is no valid reason for it to be associated with my name. This is not a government office address. Please attachment. 

Potential Violations : XXXX has failed to ensure maximum accuracy in the reporting of my credit information as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ). 
They have not provided the necessary documentation to substantiate their claims, which is a violation of my rights under the FCRA. 
Consequences : These inaccuracies are causing me significant harm, including loss of business and financial opportunities and reduced access to fair lending options, as well as ongoing mental stress due to the erroneous information circulating in my credit report. 
I have attached the screenshots of the documents as well as other correspondence. It is not acceptable to send a blanket statement " account verified ''. 
Please provide me with proof of the Attorney listed on the XXXX XXXX report is or was an Attorney in the State of Texas. This misreporting is just one a many errors. 

My credit reports contain inaccurate and misleading information regarding a XXXX XXXX bankruptcy filing, specifically including the following discrepancies : Type : The reports may incorrectly identify the bankruptcy type. This is a violation of the FCRA 's accuracy requirement ( 15 U.S.C. 1681s-2 ( b ) ) and can significantly impact my credit score. 
Status : The reports may inaccurately reflect the bankruptcy status ( e.g., discharged vs. pending ). This again violates the FCRA 's accuracy requirement ( 15 U.S.C. 1681s-2 ( b ) ) and can mislead potential creditors.

Dates : The reported dates for the bankruptcy filing ( Date Filed/Reported and Closing Date, if applicable ) may be inconsistent or inaccurate. These discrepancies violate the FCRA 's accuracy requirement ( 15 U.S.C. 1681s-2 ( b ) ) and can create confusion for potential creditors. 
Court : The reports may incorrectly identify the U.S. Bankruptcy Court where the case was filed. Incorrect court information is a violation of the FCRA 's accuracy requirement ( 15 U.S.C. 1681s-2 ( b ) ) and can make it difficult to verify the information.

Other : The reports may contain inaccurate details regarding asset amounts, liabilities, or exempt amounts. These discrepancies violate the FCRA 's accuracy requirement ( 15 U.S.C. 1681s-2 ( b ) ) and can negatively impact my creditworthiness. 
Unauthorized Disclosure : I have never granted consent to any credit bureau to access or report information related to my bankruptcy proceeding. The inclusion of this information without my authorization violates the FCRA 's prohibition on the inclusion of information not obtained directly from the consumer or a permissible source ( 15 U.S.C. 1681s-2 ( b ) ).

Violation of Law and Potential Consequences : The inclusion of this inaccurate information constitutes a violation of the FCRA, specifically 15 U.S.C. 1681s-2 ( b ). The FCRA prohibits credit reporting agencies from including unverifiable or inaccurate information in consumer reports. You are statutorily obligated to conduct a reasonable investigation upon receiving a dispute ( https : //www.ftc.gov/business-guidance/privacy-security/credit-reporting ). 
Furthermore, recent case law supports the consumer 's right to accurate reporting. In [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ], the court ruled that XXXX 's failure to investigate a disputed bankruptcy filing constituted a violation of the FCRA. Similarly, in [ XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ( XXXX ) ], the Supreme Court emphasized the importance of credit reporting agencies following reasonable procedures to ensure the accuracy of information included in consumer reports. 
Failure to comply with the FCRA 's dispute resolution procedures may expose your bureaus to substantial financial liability, including statutory damages of up to {$1000.00} per violation, punitive damages, and attorney 's fees. 


Thank you for your attention to this matter. I look forward to your prompt response.