Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I contacted TransUnion on XX/XX/year> because their online system has been blocking me from disputing a bankruptcy that appears on my credit report since XX/XX/year>. I started the call trying to get support for the online access issue ( that is still unresolved ). I was transferred to support after the initial agent offered to put the dispute in on my behalf. When I disputed the bankruptcy and started telling her my thorough research, she then transferred me to a supervisor, XXXX in Special Handling. Before submitting the dispute, I reviewed the U.S. Bankruptcy Court for XXXX XXXX XXXX XXXX XXXX official policies and confirmed directly with the clerk that the court : -Does NOT furnish information to credit reporting agencies -Does NOT verify information for any credit bureau or third-party vendor -Does NOT confirm the accuracy of information used by consumer reporting agencies -These statements are published on the Courts official website ( and attached to this complaint ) : https : //www.almb.uscourts.gov/credit-reporting-agencies AND https : //www.almb.uscourts.gov/credit-reporting-agencies-and-court-records Because the Court refuses to verify or furnish bankruptcy information, no credit reporting agency has an authorized source to confirm a bankruptcy record. 

XXXX own official Public Records Policy confirms the same : TransUnion does not obtain bankruptcy data directly from the courts.

Bankruptcy information is obtained from third-party vendors who access public records.

( Source : https : //www.transunion.com/legal/public-records ) This means TransUnion relies on private data aggregators, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, neither of which is a lawful furnisher under 15 U.S.C. 1681s-2. 

XXXX Confirmed the Bankruptcy Was Verified Through PACER Only I received a written response from XXXX stating that the bankruptcy was verified using only the PACER Service Center, not the bankruptcy court. PACER is a public access portal, not a furnisher, and can not validate identity or accuracy under the FCRA. 
This confirms the bankruptcy record is unverifiable under the law. 

TransUnion Refused to Code or Process My Dispute Correctly When I reached TransUnions Special Handling unit, I spoke with a representative named XXXX XXXX no last name ). I explained that : XXXX am not disputing ownership, XXXX XXXX disputing that TransUnion can not verify the bankruptcy with the original source, -Because the original source ( the Court ) refuses to verify, the record is unverifiable under the FCRA. 

On a recorded line, XXXX repeatedly insisted : -The only way to remove a bankruptcy is expungement. 
-We verified it with local authorities.

-Our system shows it as verified through our vendor.

None of these statements are consistent with : -TransUnions own published policy, -The Bankruptcy Courts published policy, or Federal law ( FCRA ).

These statements are factually and legally false : -Expungement is NOT required under the FCRA .

-The FCRA requires deletion when information can not be verified, not when it is expunged.

-The Bankruptcy Court does NOT verify data, so TransUnion can not lawfully claim verification. 
XXXX XXXX XXXX and XXXX XXXX NOT furnishers, so they can not satisfy 1681i ( a ) reinvestigation requirements.

Federal Violations FCRA TransUnions conduct violates : -15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy -15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation -15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable information -15 U.S.C. 1681s-2 ( a ) Duty to rely only on authorized furnishers Alabama Law Violations -Under the Alabama Deceptive Trade Practices Act ( Ala. Code 8-19-5 ), TransUnion engaged in prohibited deceptive conduct : -Misrepresenting the source of the bankruptcy data -Misrepresenting consumer rights -Misleading me by claiming expungement is required -Misleading me by claiming G2 verifies with local authorities Under the Alabama Consumer Credit Act ( Ala. Code 5-19-1 et seq. ), TransUnion also violated : -Duty to maintain accurate consumer credit records -Prohibition against using misleading public records -Prohibition against unfair dispute-handling practices Summary -There is no authorized furnisher who can verify this bankruptcy.

-TransUnion knows the court can not verify it.

-TransUnion knows PACER is not a verification source.

-Yet TransUnion continues to publish the record and block proper disputes.

This is a clear violation of federal and Alabama law.

SUPPORTING AND IDENTITY DOCUMENTATION ATTACHED

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