Consumer complaint received 2021-11-14
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. (FL)

I have sent several dispute letters into TransUnion disputing incorrect items on my credit report. Each time the company has responded has been extremely quick ( less than a week ) and the answers are that they verified everything disputed to be accurate and correct. This is not possible at all. I feel like they are taking short cuts and just sending basic generic letters back to us consumers just to shut us up. I am not going for that. I asked for the information I disputed to be investigated and I requested specific information from the credit reporting agency asking how they investigated my dispute and to provide copies of all contracts, and records with my signature attached and they have failed to do so. Instead, I receive generic letters stating they have investigated my dispute and determined that the information is true, accurate and free of lies. The credit reporting agencies ask for us consumers to send in supporting documentation to back up our disputes, and when we do, they do nothing but send generic response letters stating they have verified everything to be true, accurate and correct.

TransUnion is reporting that the public record of a Chapter & Bankruptcy listed on my credit report is accurate, correct and free of lies. Well, I have disputed with the credit reporting agency that I am NOT contractually liable for the debt in the bankruptcy. I have sent in supporting documents to support this and they instead send generic letters stating the information they have on file from XXXX XXXX is certified, verified and true to be correct. In a chapter XXXX bankruptcy, any non-exempt assets will be sold by the bankruptcy court trustee in a chapter XXXX case. Your dischargeable debts will then be discharged by the bankruptcy court. This means you would no longer owe the debt. So, I ask TransUnion again, how did you verify this to be correct? How am I contractually liable for this discharged debt? I have asked TransUnion to investigate this and they respond with a generic letter stating the information is verified to be accurate and correct. I have given the credit reporting agency 4 times to make this right with my credit report and they have failed to acknowledge and correct this information. I am no longer requesting any more investigations into my credit profile, I am demanding that this public record be removed off my credit report because it is misleading, inaccurate and has caused me to be denied for credit as creditors think I am in a Chapter XXXX bankruptcy where you are required to pay back certain debts. 

TransUnion is not fulfilling their due diligence that is required under the FCRA when it comes to consumers credit reports and how they investigate disputes. TransUnion lack of due diligence is preventing consumers from obtaining a fresh start due to the inaccurate information being report. 

Also, TransUnion does not show on their credit reports that they have updated the reports after their investigations. My report shows that the last time they updated my report was XX/XX/2021. It is now XX/XX/2021 and I have been disputing items on my credit report for several months now. But, if you saying that the update is in reference to the public record listed on my credit report then that information is also incorrect. But you have certified and verified that all information in my credit report is true, accurate, up to date and free of lies. This is unfortunately not true. 

You have had many opportunities to make this right and you have failed. It is time now that you removed this public record from my profile. Let me be clear that I am not requesting anymore investigations. We have been there and done that. You have continued to fail me and now you have violated my rights under the FCRA.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ( if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to encore my rights under the FCRA. 

I demand the public record listed on my credit report that is inaccurate, a lie and erroneous be deleted immediately. The falseness of me " Contractually liable '' is defaming my character and has caused me to be denied credit, a job and is overall a slap in the face to me as a consumer due to the inaccurate reporting by your agency. Remember, you verified this with the courts who is the original data furnisher not XXXX XXXX or XXXX XXXX. Under the FCRA, you must go to the original data furnisher to obtain information that you want to report in my profile. You have failed to do this. Delete immediately.