Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I obtained my TransUnion credit report online and noticed that U.S. Bankruptcy Court records are listed on my credit report. 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 U.S. Bankruptcy Court has provided me with documentation stating that they do NOT furnish any information to credit reporting agencies, nor do they validate and/or confirm public records. Credit reporting agencies and/or third-party providers collect and report this information independently. The U.S. Court system does not validate public record information due to the Fair Credit Reporting Acts privacy provisions.

My inquiry to the U.S. Bankruptcy Court confirmed that TransUnion has never validated or verified this public record entry on my credit report, nor will they ever be able to. The court also stated that it is not responsible for any incorrect or misused public records, as such information is often reported by third-party sources without consumer knowledge and, in many cases, inaccurately. Given this clear Fair Credit Reporting Act violation, I demand that all bankruptcy-related information currently showing under my Social Security number be PERMANENTLY DELETED from my credit report immediately.

TransUnion must provide me with copies of all documentation associated with this bankruptcy record, including either a court order authorizing this information to be placed on my credit report or my authorization bearing my signature. Until this validation is provided directly from the U.S. Bankruptcy Court - ON THEIR LETTERHEAD ( not from any third-parties ), all bankruptcy-related information must be immediately deleted from the credit file you maintain under my name and Social Security number to remain in compliance with FCRA laws and guidelines .

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verifythrough physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public record information you post on a consumers credit report. Otherwise, fraudulent and erroneous account information could be added by third parties.

Since Transunion refuses to comply with the law, I have no other option but to file a formal complaint against this unauthorized bankruptcy information listed on my credit report with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against TransUnion. I will seek no less than {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau regulations

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