Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I have repeatedly disputed a bankruptcy being erroneously reported on my credit report by TransUnion. TransUnion repeatedly and falsely ( lies ) and states that the bankruptcy has been verified by the data furnisher. The data furnisher is XXXX. This company is pulling public records that dont include a full social Security number and are using addresses to match and then feeding the credit bureaus who then match it to a file. Upon contacting the bankruptcy court and pacer to dispute the bankruptcy in question, both entities responded that they do not verify with any third-party, including the credit bureaus. 

I have also made an attempt to contact XXXX and dispute the information directly with them. This was their response : To whom it may concern ; We have received your request to freeze your credit and/or to opt out of any credit reporting that XXXX may control. 

Please note, XXXX provides bankruptcy information to TransUnion, which it obtains from publicly available records throughout the United States. While XXXX may provide information to TransUnion. a Credit Reporting Agency ( CRA ), XXXX is not a Credit Reporting Agency. Since XXXX is not a CRA, it is unable to place a credit freeze on credit reports. If you would like to a freeze your credit, please contact all three of the nationwide credit reporting agencies XXXX, XXXX, XXXX to request a credit freeze. 

If you feel that bankruptcy information appearing on your credit report has been incorrectly matched to your TransUnion credit report, you must contact TransUnion as XXXX does not match bankruptcy information to consumer credit files for TransUnion. As stated above, since XXXX is not a CRA and only provides the bankruptcy to TransUnion, XXXX also does not determine the usage of bankruptcy information in connection with a consumers credit score. 

To dispute the completeness or accuracy of the bankruptcy information provided by XXXX to TransUnion, you may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and including all supporting documentation to substantiate the basis of the dispute. You may contact XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX or by phone at XXXX, Monday Friday between XXXX XXXX and XXXX XXXX XXXX time. 

Upon receipt, XXXX will conduct an investigation with respect to the disputed information and review all relevant information provided. If XXXX determines that the bankruptcy information provided to TransUnion was inaccurate, XXXX will provide corrected bankruptcy information to TransUnion. If you believe there are other inaccuracies in your credit report outside of the bankruptcy information, you must contact TransUnion to address those inaccuracies. 

If XXXX determines that the bankruptcy information provided to TransUnion is accurate and you continue to dispute that information, XXXX will provide notice of that dispute- if we provide any future bankruptcy information about you to TransUnion. 

If you indicated that XXXX does not have your permission to share, obtain or store your credit information, as stated previously XXXX only has bankruptcy information, which it obtained from publicly available records and permission is not required to obtain publicly available information, nor is XXXX required to obtain permission to share or store this publicly available information under applicable federal law or regulation. 

Thank you, XXXX XXXX has been lying about not being a CRA for years, and gotten sued right and left for it : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX  ) - an FCRA class action, alleging XXXX committed violations as a consumer reporting agency. XXXX had to pay {$1.00} XXXX to settle. 

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX  ) - XXXX XXXX alleging violations of FCRA sections XXXX and XXXX ( XXXX ) ( b ). XXXX had to pay over {$18.00} XXXX to settle the suit. 

XXXX is deliberately and willfully violating the law. 

It does not matter if XXXX is a CRA or not. If it is providing data to Transunion, it MUST be in compliance with the FCRA, adhere to the Credit Reporting Resource Guide and TransUnions business practices and policies. 
https : //www.transunion.com/data-reporting/getting-started If Transunion is reporting data it obtained from a company who isnt FCRA compliant then TransUnion wouldnt be FCRA compliant. 

Neither court or pacer report to or verify accuracy of info to 3rd party companies and the existence of the info is not evidence or verification and cant be used to verify who it belongs to. TransUnion has never contacted the court as they will not verify any information. 

No other bureaus are reporting this erroneous bankruptcy on my credit reports, only TransUnion.

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