Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXX Georgia did not provide such information to them. This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. 
I filed a complaint with CFPB, they stated that they would complete another investigation. 

On XX/XX/2021, I contacted Transunion at XXXX XXXX XXXX XXXX , spoke to XXXX XXXX whom stated that she did not have an employee number ( She only has her name and picture on her ID ) to obtain a status on said investigation. Ms. XXXX stated that, a letter was mailed to stating that the account was verified. I then requested that she tells me who it was verified by, she stated that it was verified by The US Bankruptcy of XXXX Georgia. I followed up with whom they spoke to at the courthouse, she stated that she does not know, and that she would transfer me to her supervisor. 

Ms. XXXX transferred me to Mr. XXXX XXXX, whom also stated that he did not have an employee number. I relayed what Ms. XXXX stated to me, and asked that he provides me with his method of verification of this inaccurate information that they are reporting on my credit report. Mr. XXXX stated that they contact the creditor or the Lender. I proceeded to ask him Mr. XXXX who if the US Bankruptcy of XXXX Georgia does not report information to them. He then stated that it was verified through a third party lender who obtained the information from the courthouse and provided it to them. I asked him who the third party lender he obtained inaccurate information from, he stated that he could not provide me with the name of the third party lender. 

Now, I am extremely confused, irate, anxious, and emotionally exhausted about the inconsistent information that i keep receiving from Transunion about this inaccurate and unverified item they keep reporting on my report. This has prevented me from getting a mortgage loan, caused and still causing me to pay several thousand of dollars extra. They are to report 100 % accurate and verifiable information on my account!

I demand that they delete this inaccurate and UNVERIFIABLE account from my credit report for failure to conduct a proper investigation.

Item : US Bankruptcy Court-Chapter XXXX Bankruptcy

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