Consumer complaint received 2025-10-26 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: VA

Complaint narrative:
Transunion is practicing very faulty and fraudulent investigation practices. 

XXXX  XXXX Bankruptcy Ref # XXXX This letter serves as a final dispute and demand for immediate deletion of the XXXX  XXXX bankruptcy you are currently reporting under Reference Number XXXX. This public record is reported with the following details : Filing Date : XX/XX/year> Status Date : XX/XX/year> Court : U.S. Bankruptcy Court Record Type : XXXX  XXXX Bankruptcy Discharged This reporting is inaccurate and in direct violation of my consumer rights under the Fair Credit Reporting Act for several reasons : ________________________________________ XXXX. Inconsistent and Inaccurate Reporting Across Bureaus Under 15 U.S.C. 1681e ( b ), TransUnion is legally required to ensure maximum possible accuracy. The same public record has been permanently deleted from both XXXX  and XXXX  following their reinvestigations. 
If this record can not be verified and reported by XXXX major credit bureaus, your continued reporting creates a material inaccuracy and causes ongoing harm to my creditworthiness. 
________________________________________ XXXX. Failure to Properly Reinvestigate and Verify Information I previously submitted disputes, and each time TransUnion issued an instant response claiming accuracy without providing any verification, which is a clear violation of 15 U.S.C. 1681i. 
You must produce : The specific public record, The exact source, and The court verification including the PACER docket reference used to justify continued reporting. 
If you can not or will not provide this documentation, the FCRA requires this tradeline to be removed. 
________________________________________ XXXX. Harm and Damages Ongoing reporting of an unverifiable bankruptcy continues to negatively impact : My employment background checks My eligibility for federal programs My access to fair credit terms This constitutes measurable harm for which TransUnion may be held liable under 15 U.S.C. 1681n and 1681o.

________________________________________ Required Action I am formally exercising my rights to demand immediate deletion of the disputed bankruptcy from my credit profile. If TransUnion is unable to produce full verification as required by law within XXXX calendar days, you must delete this account and provide written confirmation. 
I have already contacted the XXXX Bankruptcy Court who instructed me to write this letter because they DO NOT VERIFY BK INFORMATION WITH CREDIT BUREAUS. They are awaiting your result and have asked that go back to court with your response. 
Failure to delte will result in consideration of civil action to recover damages permitted under federal law I expect a full response in writing within the required timeframe. 
Sincerely, XXXX XXXX XXXX Last XXXX Digits : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDITIONALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion is currently involved in a {$23.00} million class action settlement due to allegations that the company unlawfully failed to investigate disputes regarding credit inquiries. The lawsuit, known as XXXX v. TransUnion, claims that the company did not contact the companies that requested credit reports or remove disputed inquiries from consumers ' credit files. The settlement affects approximately XXXX residents of the United States and its territories, and eligible individuals can receive compensation without needing to file a claim. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has also taken action against TransUnion for deceptive practices related to credit monitoring subscriptions.

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