Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a complaint on XX/XX/XXXX in regards to a Bankruptcy in my public record and how Transunion used illegal measures to produce this information and put it on my consumer report. The wrote you guys ( THE CFPB ) back and said the information is no longer on my consumer report. They sent me a updated credit report in the mail and the Bankruptcy still is on there and just says the information was verified. I did not dispute wheter the information was accurate i disputed the illegal means in which you used to acquire the information. My original complaint read " On XX/XX/XXXX I mailed Transunion a formal dispute letter because there company is in connection with violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. Per Transunion website it states for bankruptcy public records collected after XX/XX/XXXX, Transunion obtained information about your bankruptcy from third party vendor XXXX. VIOLATION # XXXX Transunion has failed to provide me with competent and documentary evidence to prove that the disputed information is verified. Obtaining bankruptcy information from a third party data furnisher XXXX is not proper validation. The law is clear : " If the CRA can not validate the information with the original information furnisher, which would be the ( US Bankruptcy Court ), CRA must remove said information from the consumer file ''. I also mailed a letter to the US Bankruptcy Court and they advised they do not provide information to credit reporting agency such as Transunion or XXXX. Therefore if the US Bankruptcy Court did not report or verify this bankruptcy on my credit report it must be DELETED IMMEDIATELY because its UNVERIFBALE. Transunion can not obtain a bankruptcy records from a third party data furnisher ( XXXX ) as this is not the original data furnisher. XXXX  obtained this information from a publicly available source PACER which is also not the original data furnisher. VIOLATION # XXXX On my credit report Transunion is reporting a PAID DATE XX/XX/XXXX for the bankruptcy. This information is incorrect as I have not paid ANYTHING to the US Bankruptcy Courts. The FRCA law states 15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have a letter from XXXX admitting they furnished the information from PACER and sent it to Transunion. How can this bankruptcy be VERIFIED when : XXXX. You did not verify it with the original data furnisher ( XXXX Bankruptcy Court ) XXXX. It's reporting a PAID DATE XX/XX/XXXX and I have not paid anything to the courts. XXXX. XXXX and Transunion are not reporting a bankruptcy on file XXXX. United Stated Bankruptcy Court Eastern District is also not reporting a bankruptcy on file Transunion has violated several of my consumer rights which would include : 15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. '' You responded back to me and the CFPB that this account was no longer on my consumer report and that was a lie. I have aattached a copy of my identification, the letter from the xourts, and the screenshot of you saying it was removed, and my credit report showing it was not. All of this information has ben sent to my attorney and will begin litigation if this is not rectified in the next 15 days. I will not wait another full 30 days because you lied about the account being removed.