Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am filing this complaint against TransUnion for their continued and willful reporting of an unverified bankruptcy ( Case No. XXXX ) on my credit file. This item has already been deleted by XXXX, confirming that it can not be legally verified under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and the provision of documentation, TransUnion persists in publishing this inaccurate information, violating FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and Metro 2 compliance standards.

Details of the Violation TransUnion continues to report the bankruptcy even though : The data source, XXXX, merely confirmed the existence of a docket entry from PACER but did not provide any certified or signed validation from the XXXX Bankruptcy XXXX. 

There is no verifiable public record or court-issued document confirming the accuracy of the filing. 

The information fails Metro 2 format requirements due to missing or incomplete fields such as the full docket number, disposition, and discharge documentation. 

XXXX  has already deleted this same record, demonstrating TransUnions inconsistent and inaccurate data handling across bureaus.

Legal and Compliance Grounds 1. Fair Credit Reporting Act ( FCRA ) Violations 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

1681i ( a ) : Failure to conduct a proper reinvestigation upon receipt of a dispute.

1681s-2 ( a ) ( 1 ) : Furnishing information known, or reasonably believed, to be inaccurate.

1681s-2 ( b ) : Failing to verify or correct disputed information after notice from the CRA.

2. Metro 2 Compliance Breaches According to the Credit Reporting Resource Guide ( CRRG ) : Bankruptcy data must be derived directly from verified court records. 

Incomplete or unverifiable items must be suppressed or deleted immediately.

TransUnions reporting lacks key verification elements and fails to meet the standardized Metro 2 format required for compliance.

3. Fair Debt Collection Practices Act ( FDCPA ) and FTC Act Violations Reporting unverified bankruptcy data constitutes false representation and deceptive practices under FDCPA 807 ( 8 ).

TransUnions conduct also violates 15 U.S.C. 45, prohibiting unfair and deceptive business practices. 

Evidence Submitted Attached documentation showing XXXX  deletion of the bankruptcy record. 

Correspondence from XXXX confirming reliance on third-party data rather than verified court records. 

Prior disputes sent to TransUnion requesting validation and deletion. 

Reference : CFPB Case File # XXXX. 

Harm and Consumer Impact Due to TransUnions continued willful noncompliance, my credit profile remains inaccurately damaged. This unverified bankruptcy : Severely impacts my creditworthiness and access to housing and credit. 

Causes financial harm and emotional distress due to the reputational damage of false reporting. 

Represents an ongoing failure to protect consumer data integrity, especially in light of previous data breaches. 

Requested Resolution I request that the CFPB compel TransUnion to : Permanently delete the unverifiable bankruptcy ( Case No. XXXX ) from all reports and databases. 

Provide written confirmation of deletion within 15 days. 

Disclose the verification process used and identify all entities that furnished or received this false information. 

Ensure compliance with FCRA, FDCPA, and Metro 2 reporting standards to prevent future recurrence.

Complainant Information Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Illinois XXXX Date : XX/XX/year> Credit Bureau : TransUnion

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