Consumer complaint received 2023-09-14
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. (CA)

XXXX XXXX XXXX Subject : Demand for Deletion of XXXX XXXX XXXX XXXXXXXX Dear TransUnion Consumer Relations, I am writing to dispute the inclusion of a bankruptcy on my credit report with TransUnion. The bankruptcy listing is adversely impacting my creditworthiness and financial opportunities, and I believe it should be removed from my credit report based on the following reasons : Inaccurate Reporting : I have recently reviewed my credit report and noticed that the bankruptcy listing is not accurate. I have never filed for bankruptcy, and there is no record of any bankruptcy proceedings involving me in any court. This error has negatively impacted my credit score and financial reputation.

Identity Theft : It is possible that my personal information may have been compromised, leading to the inclusion of the bankruptcy on my credit report. I have taken several measures to protect my identity, including regularly monitoring my credit report and maintaining strong security practices. However, despite my efforts, it seems that my personal information may have been misused in this instance. 

Correct Documentation : I request that TransUnion provide me with any documentation related to the bankruptcy listing, including the name of the creditor, the case number, and any other relevant details. This information will help me in resolving this matter promptly and effectively. 

Reporting Compliance : I would like to remind TransUnion of its responsibility to ensure the accuracy and integrity of the information it reports. The inclusion of inaccurate and damaging information, such as a bankruptcy that does not pertain to me, undermines my trust in the credit reporting system and affects my ability to obtain credit on fair terms. 

In light of the above, I kindly request that TransUnion undertakes the following actions : Conduct a Thorough Investigation : I request that TransUnion conduct a comprehensive investigation into the bankruptcy listing in question. This investigation should include verifying the accuracy of the information provided and confirming whether it pertains to me or if it is the result of identity theft. 

Temporarily Suspend Reporting : While the investigation is ongoing, I kindly request that TransUnion temporarily suspend reporting the bankruptcy listing on my credit report. This will prevent further harm to my creditworthiness during the investigation period. 

Remove Inaccurate Information : If the investigation concludes that the bankruptcy listing is indeed inaccurate or the result of identity theft, I request that TransUnion promptly remove it from my credit report. The removal should be done in compliance with the Fair Credit Reporting Act ( FCRA ) and any other relevant laws or regulations. 

Provide Written Confirmation : Once the investigation is complete and any necessary corrections have been made, I request that TransUnion provide me with written confirmation of the actions taken, including the removal of the bankruptcy listing from my credit report. 

I understand that TransUnion has 30 days to respond to my dispute as per the FCRA. I appreciate your prompt attention to this matter and expect a thorough investigation to be conducted to resolve this dispute. 

I have also submitted a complaint against your company with the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Consumer Financial Protection Bureau, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, and Advocates for Fair Credit Reporting. 
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