Consumer complaint received 2025-01-27 00:00:00
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.
State: FL

Complaint narrative:
Follow-Up on Complaint Filed on XX/XX/XXXX Request for Immediate Action Regarding Incorrect Bankruptcy Reporting To Whom It May Concern at the CFPB : I am writing to formally follow up on my complaint submitted to the CFPB on XX/XX/XXXX, regarding the incorrect reporting of a bankruptcy discharge date by Transunion on my credit report. Despite my submission of clear evidence, including a letter from the court stating that they do not supply information to credit reporting agencies, I have been informed that Transunion has claimed the information was verified as accurate.

Failure to Provide Evidence of Verification ( FCRA 611 ( a ) ) : By law, when information on a credit report is disputed, the credit bureau must conduct a reasonable investigation and provide evidence of how the information was verified. To date, I have received no proof of verification, such as the name of the entity contacted or their findings. How was this information verified? Who was contacted? These are questions that remain unanswered.

Failure to Correct Inaccurate Information ( FCRA 607 ( b ) and FCRA 611 ) : The discharge date being reported is incorrect. Even if Transunion claims to have verified the information, the fact remains that it is inaccurate. Under the FCRA, credit reporting agencies are required to correct or delete inaccurate information promptly. This is a clear failure to comply with their legal obligations.

Failure to Maintain Maximum Possible Accuracy ( FCRA 609 ) : Credit reporting agencies have a duty to maintain
maximum possible accuracy in their reports. Continuing to report incorrect information, despite being provided with evidence of its inaccuracy, is a direct violation of this requirement.

As a consumer, I am entitled to an accurate credit report. The continued reporting of incorrect information on my credit file has caused harm to my financial reputation and created unnecessary frustration. This issue is not only a violation of my rights under the FCRA but also an indication of negligence by Transunion.

Given the seriousness of this issue, I must also question the CFPBs handling of this complaint : Why was my complaint closed or dismissed without requiring Transunion to provide documentation or evidence of their verification process? Why has the CFPB allowed Transunion to continue reporting inaccurate information despite clear evidence of its inaccuracy?

This is not a matter of opinion or interpretation. The law is clear : if the information can not be verified or is inaccurate, it must be corrected or deleted. I urge the CFPB to enforce the Fair Credit Reporting Act and hold Transunion accountable for their violations.

I am attaching Transunion 's stall letter saying they do not believe the dispute was from me. I sent them all my identification and a letter from the court. This is a generic stall letter because they do not want to do their job.

I am attaching the letter from the court saying they do not supply information to third parties. Interesting. How did Transunion verify it?

I am attaching Transunions report saying they verified it. Again, they never told me how.

These are all violations of my consumer rights!

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 non-monetary relief