Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
TO : Consumer Financial Protection Bureau RE : Feedback and Objection to Incomplete Resolution CFPB Complaint ID : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : Inadequate Response Company Failed to Remove Fraudulent Bankruptcy and Unauthorized Data ; No Monetary Relief Provided Dear CFPB, I am writing to provide formal feedback on the companys response to my complaint submitted on XX/XX/year>, regarding the fraudulent reporting of bankruptcy and unauthorized data sharing, primarily by TransUnion and XXXX. The response provided was not satisfactory and fails to resolve the core violations outlined in my original submission. I object to the case being closed with non-monetary relief for the following reasons : 1. Failure to Remove Fraudulent Bankruptcy Public Record Despite submitting : An official court letter stating the bankruptcy court does not report to any credit bureaus, A FTC affidavit declaring the bankruptcy report as fraudulent, And a XXXX Consumer Disclosure proving unauthorized data distribution, TransUnion merely verified as reported the bankruptcy notation from the USBK Court XXXXXXXX XXXX XXXX, which proves nothing except a recycling of unverified, third-party-supplied data. No court ever confirmed the bankruptcy directly to TransUnion or XXXX. 

This is a clear FCRA violation ( 15 U.S.C. 1681e ( b ) and 1681b ) for reporting unverified and unauthorized information. I did not authorize this reporting, and no legitimate permissible purpose was established. 

2. No Accountability for XXXX Unauthorized Data Collection The response did not address or rectify the unauthorized collection and sale of my personal data by XXXX, nor was any confirmation provided that this data would be permanently removed. This is a direct violation of : Gramm-Leach-Bliley Act ( GLBA ) unlawful sharing of non-public personal information, Fair Credit Reporting Act ( FCRA ) lack of permissible purpose and unauthorized furnishing. 

3. No Monetary Relief for Financial and Emotional Harm The company failed to provide any monetary compensation, despite clear evidence that : The bankruptcy reporting is fraudulent, It caused damage to my reputation, and I incurred financial harm ( denied credit, increased interest rates, emotional distress ). 

Under FCRA 1681n, I am entitled to actual, statutory, and punitive damages for willful noncompliance. The non-monetary label disregards the emotional and financial damage I suffered due to these unlawful practices. 

4. Lack of Transparency in Investigation The results allegedly sent via postal mail did not include a detailed explanation or copies of the documents used to verify the information. This lack of transparency undermines the legitimacy of the investigation and violates my rights under FCRA 1681i. 

REQUESTED ACTIONS I am formally requesting the CFPB to : Reopen and escalate this complaint. 

Require TransUnion and XXXX to provide documentation verifying the origin of the bankruptcy data ( source, entity, date of acquisition ). 

Order the deletion of any and all fraudulent or unverifiable public records and unauthorized personal data. 

Mandate monetary compensation in accordance with 15 U.S.C. 1681n for the harm caused. 

I trust the CFPB will treat this matter with the urgency and gravity it demands. 

Sincerely, XXXX XXXX XXXX ( 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