Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On my Experian and TransUnion consumer reports, a public record is being reported as : US Bankruptcy Court, NJ XXXX XXXX XXXX XXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX This information is reflected inconsistently and inaccurately across the bureaus : Experian and TransUnion both report it as a negative XXXX bankruptcy. 

Equifax fails to reflect consistent status information. 

The inconsistencies across bureaus and lack of verifiable documentation violate the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards.

Core Issues 1. Unverifiable Source of Data Bankruptcy courts themselves do not furnish data to credit bureaus.

Instead, third-party vendors scrape incomplete data, which is then reported.

This violates FCRA 1681e ( b ), which requires maximum possible accuracy. 

2. Incomplete and Misleading Reporting The tradeline is missing critical identifying information : No plaintiff/creditor name No complete docket/case details No verified source documentation Improper or blank coding fields This creates a misleading picture to creditors, in direct violation of FCRA 623 ( a ).

3. Obsolescence and Timeliness Violations The bankruptcy was discharged on XX/XX/XXXX. 

Maintaining derogatory reporting beyond legal timeframes violates the FCRAs obsolescence rules. 

Failure to reinvestigate within 30 days of dispute violates FCRA 1681i ( a ).

4. Potential Consumer Harm As a result of these inaccuracies, I face : Negative credit score impacts Higher debt-to-income and credit-to-balance ratio reporting Barriers to obtaining housing, employment, and major loans Legal Violations The bureaus actions violate multiple laws : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) : Failure to reinvestigate upon dispute 1681s-2 ( a ) ( 1 ) : Furnishing information with knowledge of inaccuracy Fair Debt Collection Practices Act ( FDCPA ) : Misrepresenting unverifiable bankruptcy data as a valid collection item Federal Trade Commission Act ( 15 U.S.C. 45 ) : Engaging in unfair and deceptive acts and practices CFPB Enforcement Standards : Knowingly disseminating unverifiable and misleading information Requested Relief I respectfully request that the CFPB require Experian and TransUnion to : Permanently delete the bankruptcy-related tradeline ( Case XXXX ) from all consumer reports and databases. 

Provide written confirmation and a corrected copy of my consumer report. 

Disclose the exact furnishing source, verification method, and all parties to whom this information was furnished. 

If the bureaus fail to comply, I will seek legal remedies, including statutory damages, attorneys fees, and escalation to the FTC and State Attorney General.

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 explanation