Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH TRANSUNION, AND IN RESPONSE, TRANSUNION VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH TRANSUNION AND THERE ANSWER NO THEY DID NOT VERY IT WITH TRANSUNION BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH TRANSUNION TO REMOVE IT. Still, TRANSUNION DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM TRANSUNION REPORT... PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. TRANSUNION really did not reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case, BEST REGARDS XXXX XXXX. 

I HAVE PREVIOUSLY DISPUTED THE BANKRUPTCY XXXX  XXXX WITH CFPB FOR XXXX AND BECAUSE XXXX INVESTIGATED THIS MATTER THE RIGHT WAY! XXXX WENT AHEAD AND REMOVED IT AND DELETED IT FROM THEIR CREDIT REPORT BECAUSE THE BANKRUPTCY ON MY CREDIT REPORT UNVERIFIABLE, ACCORDING TO THE CFPB WEBSITE, What happens after you send in your dispute The credit reporting company investigates The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. 

A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it makes the decision. 

The information furnisher makes corrections and notifies all the credit reporting companies After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports. 

The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whoever requests your credit report in future.

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