Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
CFPB Complaint Description Unlawful Reporting of Public Record Bankruptcy Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, MO XXXX Date of Birth : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureau : [ Specify : TransUnion LLC, Experian XXXX XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX XXXX ] Complaint Summary : I am filing this complaint because the credit bureau named above is unlawfully reporting an inaccurate and unverifiable public record bankruptcy on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and related FTC XXXX XXXX laws. 
The item being reported is : Public Record : Chapter XXXX Bankruptcy ( XXXX ) Case Number : XXXX ( or XXXX, depending on bureau ) Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX ) This bankruptcy record is being reported without verified matching identifiers, such as my full name, date of birth, Social Security number, or current address history. As a result, it appears to have been improperly associated with my consumer file, which constitutes a material inaccuracy under the FCRA, 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Despite multiple mailed, phone, and online disputes, the bureaus continue to report this bankruptcy without providing documented proof that it was verified through primary court records, violating my rights under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate ) and 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ).

Additionally, I have already submitted a verified FTC Identity Theft Report and evidence confirming that I am a victim of a national data breach, increasing my risk of identity theft and file-mixing. Continuing to report an unverifiable bankruptcy despite these notices constitutes a serious violation of 15 U.S.C. 1681c-2, which gives consumers the right to block or remove information resulting from identity theft or fraudulent activity.

This inaccurate reporting has caused ongoing harm to my creditworthiness, ability to secure financing, and emotional distress. The credit bureaus repeated stall responses falsely stating that I am not who I claim to be are obstructive, negligent, and in willful noncompliance with the law under 15 U.S.C. 1681n and 1681o.

Legal Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a lawful reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information.

15 U.S.C. 1681c-2 : Failure to block information resulting from identity theft or data compromise.

15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with the FCRA.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Investigate the credit bureaus continued reporting of this unverifiable bankruptcy record. 
Require the bureau to delete the public record immediately unless verified directly with original court documentation showing a full match to my personal identifiers.

Compel the bureau to provide full disclosure of its Method of Verification, including the exact data source, court contact, and identifiers used to link the record.

Require the bureau to cease re-reporting the item without certified verification from the court. 
Ensure compliance with all FCRA accuracy, reinvestigation, and identity-theft provisions.

Require written confirmation of deletion and a corrected credit report sent to my mailing address.

Statement : I have acted in full compliance with federal procedures and verified my identity multiple times through official documentation and FTC filings. The bureaus refusal to lawfully reinvestigate and remove unverifiable public record data especially following a confirmed data breach and FTC identity theft report has left me vulnerable to continued identity theft, financial harm, and reputational damage. 
I am requesting immediate CFPB intervention to enforce the FCRA and hold the credit bureau accountable for its willful and negligent reporting practices.

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