Consumer complaint received 2024-03-17
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. (MI)

Per Trans Union 's website : see below ( attached ) " Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from federal bankruptcy courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports.

For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX https : //transunionconsumersXXXX/ " On my TransUnion credit report, shows XXXX the alleged bankruptcy was filed on XXXX of XXXX and supposedly paid on XXXX of XXXX. Therefore, this confirms Transunion received the alleged bankruptcy listed on my Transunion Credit report prior to XXXX of XXXX from XXXX ; in which Transunion stated in a response they have verified such bankruptcy from XXXX. 
On XX/XX/XXXX, I have sent certified mail USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion another dispute letter since no response was received from TransUnion of the Method of Verification I requested ; of my legal address documents, social security card and my driver 's license along with my full XXXX showing that my XXXX Consumer number XXXX credit report does Not list a Bankruptcy. Along with all the documents listed above I also sent the letter I received directly from the United States Bankruptcy Court addressed to me, that they do not report individual bankruptcy case filing data to credit reporting agencies nor do they update information directly to the credit bureaus. 

TransUnion received my dispute on XX/XX/XXXX and uploaded their system on XX/XX/XXXX. 

According to the CFPB website : https : //www.consumerfinance.gov/about-us/blog/the-law-requires-companies-to-delete-disputed-unverified-information-from-consumer-reports/ " The law requires companies to delete disputed unverified information from consumer reports. '' Why is TransUnion continuing to violate my consumer rights? TransUnion can not say they verified it with XXXX, because XXXX has removed the Bankruptcy and I have provided my full XXXX credit report. The supervisor at XXXX stated TransUnion must permanently delete this unverifiable bankruptcy as it is not showing on my XXXX consumer credit report. 

TransUnion continues to violate FCRA 611 15 U.S. Code 1681i ( 5 ) ( a ) - Treatment of Inaccurate or Unverifiable Information " ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation '' Since, XXXX consumer credit report does not show any bankruptcy as it was already disputed and removed from XXXX credit report and that the letter from US Bankruptcy Court stating ( attached ) that quote we do not report individual bankruptcy case filing data to credit reporting agencies, nor do we update information to the credit bureaus '' Therefore, TransUnion must permanently delete the Bankruptcy File Number XXXX because it is inaccurate and unverifiable. 

TransUnion is currently in violation of my rights according to FCRA 611 15 U.S. Code 1681i ( 5 ) ( a )