Consumer complaint received 2024-08-24 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: IN

Complaint narrative:
On XX/XX/XXXX I sent a letter to the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Indiana ) in which I explained that I had been disputing a Chapter XXXX bankruptcy that was listed out of there courtroom in XXXX, IN. I explained that TransUnion stated that this information listed on my report was verified by the courts and I kindly asked what there procedure or policy was on how they verify bankruptcys w/credit bureaus Trans XXXX XXXX XXXX XXXX On XX/XX/XXXX I received the letter back from the XXXXXX/XX/XXXX ( see attached letter ) in which it stated that under the Fair Credit Reporting Act federal and state laws prohibit them from giving any advice nor verifying anything that is reported on ones credit report. So I immediately sent out a letter to Trans Union on XX/XX/XXXX ( see attached letter ) in which I clearly stated to them that the information you said that was verified by the XXXX XXXX Bankruptcy XXXX was either made in error or was clearly just a plain out lie because as you will see in the letter I attached ( to Trans Union XXXX XXXX XXXX XX/XX/XXXXXXXX ) it clearly states that fed and XXXX laws prohibit them from verifying and information about ones bankruptcy nor do they have any control over how trans union verifies this information. So that would mean that Trans Union lied when they stated that the information was verified by the XXXX XXXX Bankruptcy court which would then mean that the information is inaccurate and has violated my Fair credit reporting act rights and that it should be removed immediately. Well fast forward here we are into XXXX of XX/XX/XXXX and I am still fighting this matter with Trans Union XXXX XXXX XXXX because they either have me mistaken w/someone elses info or plain out have just made a mistake and will not erase this from my credit report. I have attached a letter from XXXX XXXX dated XX/XX/year> in which it clearly shows that the disputed information ( chp XXXX Bankruptcy ) was NOT verifiable and that it has since been removed yet however Trans Union will NOT remove this bankruptcy from my credit report which I have been fighting for almost a year now. They are falsely listing something under my name and in violation of the XXXX fair credit reporting act which they have violated my rights and plain out lied about the fact that the courts verified the bankruptcy. I hope that after filing this complaint that the CFPB will help me to get this chapter XXXX bankruptcy that is NOT MINE off of my credit report so I can finally purchase a home for me and my children because this whole matter has done nothing but cause me so many issues for no reason at all. TRANS UNION is the ONLY credit bureau that shows this listed not XXXX or XXXX only Trans Union. Please help me in getting this false information removed off my report. Thank you Sincerely, XXXX XXXX XXXX attached files w/letters I sent to these companies.

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