Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Dear CFPB, I am writing to formally dispute and report a significant discrepancy in my credit report issued by TransUnion, which involves an inaccurately reported XXXX XXXX XXXX. I have been diligent in my efforts to rectify this situation with TransUnion, yet the error persists. I believe that TransUnion 's actions may be in violation of consumer protection laws, and I kindly request your intervention to expedite the removal of the erroneous bankruptcy listing from my credit report. 

The following outlines the pertinent details of my case : Discrepancy : TransUnion 's credit report inaccurately reflects a XXXX XXXX XXXX on my credit history. The continuous presence of this misinformation on my credit report has negatively impacted my creditworthiness and financial well-being. 

The specific discrepancies in my credit reports are as follows : 1. Inconsistent Filing/Reporting Dates : The filing/reporting dates for the bankruptcy on all three credit reports do not match. This inconsistency has created confusion about the accurate timeline of the bankruptcy proceedings. 

Experian reporting date : XX/XX/2019 XXXX reporting date : XX/XX/2019 TransUnion reporting date : XX/XX/2019 XXXX. Inconsistent Names of the Bankruptcy Court : The names of the bankruptcy courts listed on each credit report differ, further contributing to the confusion surrounding this matter. 

XXXX listed name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX listed name : XXXX TransUnion listed name : XXXX XXXX XXXXXXXX XXXX. Inconsistent Closing Dates : There are discrepancies in the closing dates of the bankruptcy across all three credit reports, making it difficult to ascertain when the bankruptcy should have concluded. 

XXXX closing date : XX/XX/2019 XXXX closing date : DOESN'T HAVE A DATE LISTED TransUnion closing XXXX XXXX. Inconsistent Reference Number : The reference numbers of the bankruptcy is also inconsistent among the credit reports, adding to the confusion surrounding the resolution of the bankruptcy. 

XXXX XXXX number : XXXX XXXX reference number : XXXX TransUnion XXXX number : XXXX Verification Issue : TransUnion has claimed to have verified the bankruptcy with the court. In an attempt to verify this assertion, I personally contacted the relevant court, namely United States Bankruptcy Court, XXXX XXXX XXXX XXXX, and obtained a written response from them. The court 's response unequivocally stated that they do not furnish bankruptcy data to credit reporting agencies. 

I believe that TransUnion 's persistence in reporting this inaccurate bankruptcy information violates multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : Under FCRA Section 1681i, consumers have the right to dispute and have corrected any inaccuracies in their credit reports. TransUnion 's failure to promptly remove this erroneous bankruptcy listing after being presented with evidence of its inaccuracy may be a violation of this section. 

Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA requires that information reported to credit bureaus be accurate. The incorrect reporting of a XXXX XXXX may also constitute a violation of this act. 

I kindly request that the CFPB take immediate action to rectify this situation. Specifically, I request that TransUnion be directed to REMOVE the inaccurately reported XXXX XXXX bankruptcy from my credit report within two business days, in accordance with FCRA Section 1681i.

I have attached copies of the relevant documents, including the letter from United States Bankruptcy Court, XXXX XXXX XXXX XXXX  stating their non-furnishing policy, for your reference. 

Thank you for your attention to this matter. I understand that the CFPB plays a critical role in upholding consumer rights, and I trust that you will investigate this matter thoroughly to secure a swift resolution. Please do not hesitate to contact me at XXXX or XXXX should you require any additional information or clarification. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX