Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
willful non-compliance as per FDCPA 807, False or misleading representations on verification of a BK that appeared on my credit file from the XXXX Court/XXXX Ca. I have firstly contacted the courts and I actually went down to the court house and tried to verify it I was able to get any information one of my questions is simple is if I could not get any info ( " HOW COULD TRANSUNION '' ). The XXXX COURT/XXXX CA DISTRICT sent me a letter from the County Clerk 's Office stating that at no given time do they report to any of the XXXX Credit Bureaus. I also put a security freeze on all of the major data mining companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and I have sent letters recently to XXXX XXXX. I will include them in the documentation portion. 

I have sent a formal notice to all XXXX Credit Bureaus and made XXXX CFPB complaints concerning their verification process of XXXX, Transunion and XXXX. I am a Deputy Sheriff for over 20 years experience I want to give you an example please indulge me If I make a traffic stop and the dispatcher says that person has a bench warrant but for me I have to verify the warrant The dispatcher just looking at the screen and see the information it is not verified. She has to pull the actual warrant info with the signature of the judge. Then I can make the arrest. 

The XXXX bureaus use these data mining companies and using info on a screen that they can not be verified thru the courts the letter states that and I have put security freezes on all other entities and CB 's sometime do not give you the needed info required from the FCRA on who verified, name, phone number, name of company etc. 

I asked Transunion verification made pursuant to Fair Debt Collection Practices Act. Please note that I am requesting " Verification '' that is competent evidence bearing my signature showing that I have or ever had a Bankruptcy. An Employee looking at their computer screen seeing my name listed in their database is " NOT ' verification or validation which is two different things of any Bankruptcy. Verfication accordance to XXXX XXXX is ... ... .. averment that the party pleading is ready to establish the truth of what he has set forth. Also it goes on to say The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. The court said Verification and Confirmation of the correctness, truth or authenticity of a pleading, account or other paper by an affidavit, oath or deposition XXXX v XXXX XXXX, XXXX, XXXX, XXXX, XXXX ; And XXXX v XXXX XXXX XXXX XXXX and XXXX v XXXX , XXXX App. Div. XXXX, XXXX, XXXX XXXX. XXXX This is my argument concerning Transunion verification process ; Verfication is sworn testimony it can be testimony in a deposition or in a court or an affidavit ; The only testimony that is admissible is testimony from a witness with First Hand Knowledge. A County Clerk does not have firsthand knowledge nor does anyone at the county recorder, nor does anyone at the credit bureaus. If someone verifies but they XXXX, XXXX, XXXX XXXX, XXXX etc. The main public record source for the credit bureaus. if someone verifies but they do n't have firsthand knowledge then its not verification its Hearsay. And hearsay is inadmissible and the court says its in competent. The negative mark found on my credit reports XXXX, XXXX, and Transunion. So in conclusion if you can not legally validate and verify which they have now legally accomplished they should immediately deleted this from my credit file which has been detrimental to my likelihood and my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation