Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), in connection with the continued reporting of inaccurate, incomplete, and unverifiable bankruptcy information on my TransUnion credit file. 
On XX/XX/XXXX, I mailed TransUnion a fully documented dispute package, including a copy of my government-issued identification, Social Security card XXXX and a recent utility bill to verify my identity. My dispute clearly identified the bankruptcy entry in question and requested, in accordance with the FCRA, the following : The name of the entity that certified the accuracy of the bankruptcy reporting ; The documentation or evidence TransUnion relied upon to verify the item ; The contact information of the certifying source, including mailing address and phone number. 


To date, TransUnion has failed to provide any reinvestigation results or evidence of a reasonable inquiry within the 30-day statutory timeframe, constituting a clear violation of FCRA 611. Their failure to comply with this legal obligation demonstrates a reckless disregard for their duties under federal law. 

Bankruptcy Entry Reported by TransUnion Type : CXXXX XXXX XXXX  XXXX Court Name : ( Not specified ) Date Filed/Reported : XX/XX/XXXX Date Settled/Discharged : XX/XX/XXXX Reference Number : XXXX Remarks : XXXX  XXXX XXXX XXXX Official PACER Record ( Attached ) Case No. : XXXX Court : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX Terminated : XX/XX/XXXX Debtor : XXXX XXXX Trustee : XXXX XXXX XXXX XXXX XXXX 
Disposition : Standard Discharge Case Closed Errors and Deficiencies in TransUnions Reporting Missing Court Name and Official Case Number TransUnion fails to disclose the proper court name and the official PACER case number ( XXXX ). This omission renders the record unverifiable and incomplete, violating their obligation to maintain maximum possible accuracy under 607 ( b ) of the FCRA. 
Absence of Trustee and Party Information The PACER record clearly lists the trustee ( XXXX XXXX XXXX XXXX ) and related case details. TransUnion reports none of this, making the entry factually deficient. 
Reference XXXX XXXX TransUnion uses its own internal number ( XXXX ) without referencing the actual PACER case number. This deliberate substitution prevents consumers and regulators from validating the accuracy of the record. 
Incomplete Status and Disposition PACER shows a Standard Discharge Case Closed, yet TransUnions entry only states XXXX XXXX XXXX  XXXX, lacking critical case status and disposition details required for accurate reporting. 
Failure to Reinvestigate Despite a complete and timely dispute submission, TransUnion failed to provide reinvestigation results within 30 days, in direct violation of FCRA 611. This demonstrates willful neglect of their statutory obligations. 



Harm Caused by XXXX XXXX XXXX ongoing reporting of incomplete and unverifiable bankruptcy information has caused significant harm, including but not limited to : Prolonged and unjust damage to my credit reputation and scores ; Loss of credit opportunities and financial benefits ; Emotional distress and reputational harm resulting from the continued publication of false or incomplete information.

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