Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Notice of Dispute and Demand for Immediate Correction of Credit Report - Bankruptcy Information and Unreasonable Verification Timeframe Dear TransUnion, I am writing to emphatically dispute the egregiously inaccurate and unlawful information in my credit report ( XXXX ). As a responsible consumer, I have reviewed my credit report and discovered unacceptable errors regarding a bankruptcy being reported on my file, which has been provided to you by XXXX XXXX XXXX. 

The erroneous bankruptcy information on my credit report constitutes a violation of the Fair Credit Reporting Act 's ( FCRA ) requirement for accurate and complete reporting. 

Furthermore, I submitted a dispute regarding the validity of the bankruptcy on Saturday, XXXX, and received a response on XXXX stating that the information had been verified as accurate. It is highly implausible for the information to have been verified within such a short timeframe, especially considering that the courts are not open on weekends. 

I have obtained a certified affidavit from the bankruptcy courts, which explicitly states that they do not provide verification to credit reporting agencies ( CRAs ) or third-party agencies and will not certify the information within XXXX as accurate. This affidavit confirms that your verification method has been invalidated, which violates the FCRA Section 611 and Illinois state law. Given this statement from the courts, it is unclear how TransUnion and XXXX XXXXXXXX XXXX can claim the bankruptcy information as valid and verified. 

The continued reporting of this inaccurate bankruptcy information demonstrates a blatant disregard for legal precedent, established guidelines, and a lack of due diligence on the part of your agency. This illegal reporting practice not only disregards federal law but may also infringe on Illinois 's state laws and statutes governing credit reporting and consumer protection, such as the Illinois Fair Credit Reporting Act ( 815 ILCS 137/ ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/ ). 


It is my unequivocal demand that you commence an immediate investigation into this matter and expunge the erroneous bankruptcy information from my credit report without delay. 
Enclosed is a copy of the certified affidavit from the bankruptcy courts and the relevant portion of my credit report for your reference. 

In compliance with the FCRA, your agency is legally obligated to conclude the investigation within 30 days of receipt of this dispute letter. Upon completing the investigation, I expect to receive an updated copy of my credit report and written confirmation of the rectifications. 

Failure to address this dispute promptly and accurately may result in legal action against your agency, including claims for damages under the FCRA, Illinois 's state laws, and any other applicable laws and regulations.