Consumer complaint received 2025-11-10 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because Experian and TransUnion continue to report a false bankruptcy public record that does not exist in any court system. Both agencies are reporting a XXXX  XXXX Bankruptcy ( Ref. # XXXX ) allegedly filed on XX/XX/year>, under XXXX Bankruptcy XXXX NV XXXX XXXX. This data is completely unverifiable, nonexistent in federal records, and a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Experian False Bankruptcy Entry Experian is reporting : Public Record : XXXX XXXX CT NV XXXX XXXX XXXX Filed/Reported Date : XX/XX/year> Released/Closing Date : XX/XX/year> How Filed : XXXX  XXXX Bankruptcy Court : XXXX Bankruptcy XXXX NV XXXX XXXX XXXX XXXX {$0.00} This entry is false, incomplete, and unverifiable. There is no corresponding federal bankruptcy docket in the XXXX Bankruptcy Courts XXXX  system. The record lacks an official case number, docket, or any verifiable source. Experian has failed to comply with FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ) and 1681k ( prohibition on reporting unverifiable public records ).

When I disputed this data, I demanded tangible documentation proving that this case exists. Experian responded by verifying the item without providing any evidence. That violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), which require credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable data. Continuing to report a public record that can not be verified directly with the court is a willful violation of my rights. 

Experians XXXX XXXX reporting of this public record also fails basic compliance requirements. Under XXXX XXXX Field Standards 11.3, a public record must contain a certified docket number, accurate filing date, and court name that matches the legal jurisdiction. The entry Experian is furnishing lacks a valid docket and includes a malformed reference number ( XXXX ), which does not exist in the federal bankruptcy docket system. 

By reporting this unverifiable record, Experian is also violating FCRA 607 ( b ) ( failure to follow reasonable procedures to ensure accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be false ). 

TransUnion False Bankruptcy Entry TransUnion is also reporting the same fictitious bankruptcy, under : Public Record : XXXX XXXX CT NV XXXX XXXX XXXX Filed/Reported : XX/XX/year> Released/Closing : XX/XX/year> How Filed : XXXX  XXXX Bankruptcy Court : XXXX Bankruptcy XXXX NV XXXX XXXX This entry mirrors Experians record, showing the same incorrect reference number, filing date, and court jurisdiction. TransUnions data fails to meet the verification requirements of FCRA 1681e ( b ) and 611 ( a ) ( 1 ) ( A ). No proof of filing exists, and no validation source has been disclosed.

In my dispute letters, I explicitly requested that TransUnion furnish evidence bearing my name or signature tied to any bankruptcy proceeding. They failed to produce any documentation, which confirms that this public record was inserted based on outdated or incorrect XXXX data. Under FCRA 1681k and 1681i ( a ), the agency must delete unverifiable or obsolete public data. Instead, they left the entry activean act of willful noncompliance under 1681n.

Additionally, TransUnions reporting fails the XXXX XXXX standard for Public Record Coding ( PR01 ), which requires direct certification from the data sourcetypically the federal bankruptcy court itself. Reporting a bankruptcy with no official record is considered fabrication of data and an FCRA violation under 623 ( a ) ( 1 ) ( A ).

FCRA Violations Identified Both bureaus are in violation of multiple federal provisions, including : FCRA 1681e ( b ) : Failure to follow reasonable procedures to ensure accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable data.

FCRA 1681k : Reporting unverifiable public record information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or incomplete data.

FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1692e ( 8 ) : Communication of false credit information. 

Evidence of Nonexistent Case I have searched both the XXXX Bankruptcy XXXX for the District of Nevada and the XXXX  federal docket database. There is no record of any bankruptcy filing under my name, Social Security number, or the reference number XXXX. This proves that the information Experian and TransUnion are furnishing is fabricated or sourced from an unreliable third-party vendor such as XXXX, which has already admitted in other consumer cases to providing outdated bankruptcy data. 

Harm and Impact The false bankruptcy reporting has caused significant and ongoing harm to me : Severe credit score suppression due to the false public record. 

Denials for credit and housing applications. 

Emotional XXXX  and reputational damage. 

Loss of fair lending opportunities.

Both bureaus have also ignored my attached Notice of Warning for Any Delay in Processing, which cites FCRA 1681i and explicitly forbids the bureaus from stalling disputes based on assumptions of third-party involvement.

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