Consumer complaint received 2025-03-12 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: MO

Complaint narrative:
I am formally requesting the immediate removal of a XXXX XXXX  bankruptcy from my credit report, as it is being reported unlawfully. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Privacy Act, the reporting of bankruptcy information by your agency violates my rights as a consumer.

1. Federal Courts Do Not Report Bankruptcies to Credit Bureaus According to Title 28 U.S.C. 2072 ( Rules Enabling Act ) and the XXXX Supreme Court ruling in TransUnion LLC v. XXXX, 594 U.S. ___ ( 2021 ), federal courts do not furnish consumer credit data to credit bureaus. Instead, credit reporting agencies obtain this information through third-party sources, which raises concerns about accuracy and privacy. Since the courts themselves do not verify or report bankruptcies to credit bureaus, the accuracy and legality of such reporting are questionable.

2. Violation of My Right to Privacy Under 15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ), financial institutions and reporting agencies must protect consumers private information. Since I have not granted permission for the dissemination of my financial records, including bankruptcy, your agency has unlawfully obtained and reported this information, infringing on my right to privacy.

3. Negative Impact on My Creditworthiness The presence of this bankruptcy on my credit file has caused undue harm to my financial standing, restricting my ability to secure credit and other financial opportunities. Under FCRA 1681i ( a ) ( 5 ), if the information can not be verified with the original source ( which in this case, the court does not provide ), it must be deleted immediately.

Formal Request for Removal I hereby demand the immediate deletion of the XXXX XXXX bankruptcy from my credit report. If you fail to comply within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ), I will take further legal action. Lastly, this information was deleted from the other credit reporting agency however, TransUnion is still reporting inaccurate information which is in Violation of FCRA 1681e ( b ) Duty to Report Accurate Information 15 U.S.C. 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' of consumer reports.

If one bureau determined the information to be inaccurate or unverifiable and removed it, but another continues to report it, that raises questions about the reasonableness and accuracy of the reporting procedures.

2. Violation of FCRA 1681i ( a ) ( 5 ) Requirement to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if disputed information " can not be verified '' or is " found to be inaccurate '', it must be deleted from the consumer 's file within 30 days.

If one bureau deleted the information, it means it was either inaccurate or unverifiable. Any other bureau failing to remove the same data may be in violation of this section.

3. Violation of FCRA 1681i ( a ) ( 2 ) Duty to Notify Other Bureaus 15 U.S.C. 1681i ( a ) ( 2 ) requires credit bureaus to notify the source ( furnisher ) of the disputed information and provide all relevant details.

If one bureau removed the record, it suggests the furnisher failed to verify the information.

The non-complying bureau may be neglecting its duty to conduct an independent reinvestigation or failing to act on the results of the initial dispute.

4. Violation of FCRA 1681g ( a ) Right to Access Correct and Consistent Information Under 15 U.S.C. 1681g ( a ), consumers have the right to request and receive accurate and complete information from all credit bureaus.

Inconsistencies between credit reports could mean a bureau is violating your right to receive correct data.

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