Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the bankruptcy that is being reported on my credit file from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bankruptcy is being reported by all three credit bureaus, yet none of the bureaus have provided any verification whatsoever after well over 60 days of disputes being submitted multiple times. 
Instead of providing verification, the bureaus continue to send me : Copies of my own credit report Generic verified letters Stall letters claiming Im working with a credit repair company Requests for identity documents I have already supplied three different times None of that is verification under the FCRA or Metro 2. 
How did you even obtain this bankruptcy information? 
Bankruptcies do NOT come directly from the court. 
The U.S. Bankruptcy Court does not report to credit bureaus. 
The bureaus pull bankruptcy data from third-party sources and paid public-record vendors. 
Because of that, the bureaus are legally required to : Perform a reasonable investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Validate the public record with the actual court, not a third-party database Produce verification from the court of origin if a consumer disputes the record None of that was done. 
What information did I request? 
I requested proof directly from the court, including : The bankruptcy petition Case number Filing date Discharge/dismissal date Court docket Court-stamped documents Any documentation that proves this bankruptcy belongs to me I have not received ANY of these documents. 
The credit bureaus have never provided verification from the actual U.S. Bankruptcy Court only their internal data, which is NOT verification.

Why this violates the law Under FCRA 611 ( a ) ( 5 ) ( A ), anything that can not be verified within 30 days must be deleted.

Under FCRA 607 ( b ), the bureaus must maintain accurate, complete, and verifiable information not rely on third-party data vendors. 
Under FCRA 623 ( b ), the bureau must obtain actual records from the furnisher, and in the case of a bankruptcy, that furnisher is the court itself NOT XXXX, XXXX bots, or third-party data harvesters. 
Under Metro 2 public record reporting standards, the bureaus must maintain : Correct court name Correct case number Correct filing & status dates Accurate docket information Verification directly with the source You have not met any of these requirements. 
You already received my documents stop pretending you didnt I have already supplied : My Social Security card My drivers license My proof of address ( multiple times ) The bureaus claiming they need more information is a stall tactic and does not pause the investigation timeline. 
The 30-day clock already started, and we are now over 60 days, meaning you are now in violation of the FCRA.

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