Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
This public Bankruptcy Court item listed on my report must be PERMANENTLY DELETED from my credit report IMMEDIATELYI have been contacting TransUnion regarding a reinvestigation of my credit report since XX/XX/XXXX via certified mail, telephone, XXXX XXXX and most recently on XX/XX/XXXX via TransUnion File Identification Number : XXXX regarding a Bankruptcy Court item listed on my report that the " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

I was also told via a TransUnion representative on XX/XX/XXXX and verified on your website as well that TransUnion reports public record items from federal bankruptcy courts and other public record sources..TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. Your website further goes on to indicate For bankruptcy public records collected after XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX Risk Solutions. It then states that a consumer must contact XXXX Risk Solutions at their website. ( see attached ) On XX/XX/XXXX I sent certified mail to XXXX Risk Solutions and also visited their website which states Heading Reads > Information about TransUnion XXXX credit reports- Effective XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the provider of bankruptcy public record information to TransUnion..If you believe the bankruptcy information included in your credit report has been erroneously matched to you, please contact TransUnion. So if TransUnion nor XXXX Risk Solutions can tell me HOW they are verifying the information being reported on my credit profile, then WHY is it being reported?

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer credit file.

The Bankruptcy Courts sent me a letter, which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX, Transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may and oftentimes are, reported by third party sources unaware to the consumer, and is in most cases, incorrectly. 

I also confirmed with XXXX, your source of record for bankruptcies prior to XX/XX/XXXX and they also completed a reinvestigation and concluded that this alleged record is unverifiable after research was completed via PACER and as a result was deleted from my profile record. ( see attached ).

This is a clear violation of my rights the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer credit file.

This public Bankruptcy Court item listed on my report must be PERMANENTLY DELETED from my credit report IMMEDIATELY!!

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