Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion repeatedly violate my rigthts under FCRA 15 U.S. Code 1681e ( b ) and Bankruptcy court Rule 9037 ( a ) ( 1 ) Explaination is provided in the documents attached. 
XXXX and XXXX already deleted the the bankrupcty because it violated my rights Here is the copy of the letter which is also attached :. XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX. 

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Bankruptcy Filing and Reporting Conflict Between 15 U.S. Code 1681e ( b ) and Rule 9037 ( a ) ( 1 ) Dear TransUnion, I am writing to formally dispute inaccurate information that has been included in my credit report, specifically regarding a bankruptcy filing. I believe that this information has been incorrectly attributed to me, and I am concerned that this misreporting may stem from a conflict between federal laws governing consumer reporting and bankruptcy filing procedures. 
Nature of the Dispute : The specific item in question is a bankruptcy filing listed on my credit report, dated [ Date Issued : XX/XX/XXXX XXXX File Number : XXXX ] and associated with case number XXXX XXXX XXXX BANKRUPTCY ]. I believe this filing has been incorrectly linked to my credit file due to the following conflict : 1. 15 U.S. Code 1681e ( b ) : This section of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Under this provision, TransUnion has a legal obligation to verify the accuracy of any information it includes in my credit report.

2. Rule 9037 ( a ) ( 1 ) of the Federal Rules of Bankruptcy Procedure : This rule mandates that publicly available bankruptcy filings must be redacted to protect sensitive information, such as social security numbers. Specifically, only the last four digits of the social security number are made available in public records. This rule ensures privacy but potentially limits the information available for accurate matching of records. 
Conflict Between 15 U.S. Code 1681e ( b ) and Rule 9037 ( a ) ( 1 ) : The redaction of full social security numbers under Rule 9037 ( a ) ( 1 ) creates a situation where TransUnion will most not likely have access to the complete identifying information needed to verify the accuracy of bankruptcy records as required by 15 U.S. Code 1681e ( b ). Without access to full identifying details, such as the complete social security number, there is an increased risk of mismatching records and inaccurately reporting bankruptcies on credit reports. 
I believe that this conflict has resulted in the erroneous inclusion of the bankruptcy filing in my credit report, as TransUnion may not have had access to the full details necessary to ensure the maximum possible accuracy of this information.

Request for Resolution : In light of this issue, I respectfully request that TransUnion : 1. Investigate according to FCRA 1681e ( b ) the accuracy of the disputed bankruptcy information in my credit report. 
2. Verify how the bankruptcy record was linked to my credit file, without violation of 1681e ( b ), given the limitations imposed by Rule 9037 ( a ) ( 1 ), which restricts access to full social security numbers in publicly available court records.

3. Remove or correct any bankruptcy information that can not be fully verified with the appropriate level of accuracy, as required by 15 U.S. Code 1681e ( b ).

Supporting Documentation : To assist in your investigation, I have enclosed the following : A copy of my credit report, with the disputed bankruptcy information highlighted.

Any relevant documents that may aid in verifying the accuracy of the information in question.

I trust that TransUnion will take the necessary steps to resolve this matter promptly, in compliance with federal laws. I expect to receive a response and resolution within the 30-day period specified under the Fair Credit Reporting Act. 
Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 
Sincerely, XXXX XXXX

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