Consumer complaint received 2024-02-01
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)

In XX/XX/XXXX, I pulled a 3 Credit Bureau Report to check my credit as I do every year. I noticed that there was a Public Record listed on my TransUnion credit report, showing a Bankruptcy. This Public Record is ONLY showing on TransUnion. I was very alarmed as I have never filed for a bankruptcy. I sent a letter to TransUnion utilizing the dispute process granted to me by the FCRA. TransUnion responded that the public record account was verified. 
I then sent a letter to the source of the information that was on my TransUnion credit report showing the information about the account was obtained from the Bankruptcy Court at XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX. This is clearly listed on TransUnion report as the source of the information being reported on my credit report. The letter was mailed and received by the Bankruptcy Court on XX/XX/XXXX. I am attaching a copy of this letter to this CFPB complaint. 
The Bankruptcy Court responded that they DO NOT verify any information to any of the credit bureaus, and that the information must have come from a different source. TransUnion is stating directly on my credit report that the information was supplied by a Court. According to the letter from the Court, I then sent a letter to the 3rd party source that TransUnion uses asking them to send me my consumer file as I was disputing a Public Record on my TransUnion credit report that is not mine. XXXX sent me letters dated XX/XX/XXXX and XX/XX/XXXX. I am attaching all documentation to this complaint. 
Letters dated XXXX and XXXX of XXXX from XXXX clearly show that the incorrect information was disputed and XXXX was unable to verify the information. They provided me with the findings pursuant to Section 609 of the FCRA. The documents provided show they deleted the incorrect information from their files. I have attached all documents to this complaint. 
I then sent a letter to TransUnion, along with the letter from the Court and letters from XXXX. TransUnion sent a letter back to me. It again showed that TransUnion did not delete the information from my credit report and it again stated that TransUnion didnt complete the investigation because they had already looked into it and again listed the source of the information as the Bankruptcy Court at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ID XXXX. 
I relocated to XXXX  and again I pulled my annual credit report it STILL showed that I had a public record only on TransUnion. I then submitted a letter in XX/XX/XXXX directly to the source of information directly from my TransUnion credit report the address of the court. In a letter dated XXXX, the Court responded to my letter stating they DO NOT report any information to any of the credit bureaus. 
In a letter dated XXXX, I submitted a dispute letter demanding the public record appearing on my credit report be removed as it is not mine, directly to TransUnion along with the newest letter from the Court and my identification documents. 
TransUnion sent a copy of my credit report dated XXXX showing no changes were made and the public record is still showing even though I sent them all the information showing it was not my account. 
In a letter dated XXXX, I submitted a dispute letter demanding the public record appearing on my credit report be removed as it is not mine, directly to TransUnion along with the newest letter from the Court and my identification documents. I included also the paperwork directly from XXXX stating the bankruptcy information is not mine and has been deleted from their files. 

In a letter dated XXXX, TransUnion responded that NO CHANGE NEEDED and again in writing shows that TransUnion verified the inaccurate information directly with the court at XXXX XXXX XXXX, XXXX XXXX, XXXX, ID XXXX. 
TransUnion is clearly violating the FCRA and is liable for damages I have sustained from them not removing inaccurate information from my credit report. TransUnion is refusing to follow the law and remove inaccurate information and is not updating my credit file. I have been unable to gain credit due to this unlawful reporting. I am demanding that TransUnion remove the public record from my credit report immediately.