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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because TransUnion and Experian have continued to report inaccurate, unverifiable, and inconsistent information on my credit report in connection with a Chapter XXXX bankruptcy that is not verifiable and has already been deleted by Equifax. The continued reporting of this unverifiable bankruptcy and associated late payments has caused significant harm to my creditworthiness, prevented me from obtaining stable housing and credit approvals, and constitutes clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

After reviewing my credit files, I discovered that TransUnion and Experian continue to report several accounts as being connected to a Chapter XXXX bankruptcy, despite Equifax already deleting the record after determining that the court data used to verify it could not be substantiated. Under FCRA 611 ( a ), any information that can not be verified must be deleted. The fact that one bureau deleted the record confirms that the source data for the bankruptcy is unreliable and should have been removed from all credit files. 

Even after multiple written disputes and notices, both TransUnion and Experian are still reporting false late payments and bankruptcy notations on multiple accounts. These include my XXXX account ending in XXXX, XXXX account ending in XXXX, XXXX XXXX account ending in XXXX, and XXXX account ending in XXXX. XXXX  properly reports all of these accounts as current and paid as agreed, but TransUnion and Experian continue to display negative information tied to a deleted bankruptcy, which violates FCRA 607 ( b ) requiring consumer reporting agencies to maintain the maximum possible accuracy of information. This inconsistency among the credit bureaus also violates Metro 2 standards, which require uniform reporting across all consumer reporting agencies. 

For example, XXXX continues to report my XXXX account as having a late payment and a bankruptcy remark, even though XXXX deleted the related bankruptcy and XXXX shows XXXX account as positive. Similarly, my XXXX XXXX XXXX XXXX XXXX accounts are still being reported by XXXX XXXX XXXX as delinquent or derogatory, tied to the same unverifiable Chapter XXXX bankruptcy. These false reports have no legal or factual basis and have created a false impression of default, which is damaging my credit history and financial stability. 

My disputes have been handled with form letters and template responses, rather than a proper reinvestigation as required under FCRA 1681i. I have provided detailed documentation, including identity verification, a Notice of Warning advising the bureaus not to delay processing of disputes, and evidence that my personal data was compromised in the Equifax data breachfurther supporting the potential for inaccurate reporting. Despite this, both bureaus have continued to disregard my factual submissions and failed to provide proof of permissible purpose or verifiable documentation supporting the negative status of these accounts. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or should know to be inaccurate. Furthermore, Metro 2 Compliance Condition Code ( CCC ) and Consumer Information Indicator ( CII ) standards clearly prohibit reporting of late payments or derogatory remarks after a bankruptcy filing date, and they require uniform coding once a bankruptcy is applied. The continued reporting of inconsistent data by TransUnion and Experian shows willful noncompliance under FCRA 616 and 617. 

I am requesting that the Consumer Financial Protection Bureau compel TransUnion and Experian to permanently delete all references to the unverifiable Chapter XXXX bankruptcy and remove every associated late payment or derogatory remark from my credit files. Specifically, I am requesting that the TBOM, XXXX, XXXX XXXX, and XXXX accounts be updated to reflect a current, paid as agreed, and never late status across all credit bureaus. I also request written confirmation of these corrections within 30 days, as required by federal law. 

The ongoing reporting of unverifiable and inaccurate bankruptcy-related data has caused me repeated financial hardship, emotional distress, and ongoing denials for necessary credit and housing opportunities. These violations of FCRA 607 ( b ), 611 ( a ), and 623 ( b ) and Metro 2 accuracy and uniformity standards are severe, and I am seeking full correction, deletion of all related data, and accountability for the noncompliance of TransUnion and Experian.

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