Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion continues to fail to remove a fraudulent bankruptcy from my credit report. Despite providing TransUnion with an FTC Identity Theft report and all necessary verification documents, they have not removed the fraudulent bankruptcy within the required timeframe, violating my rights under multiple laws. 

This fraudulent bankruptcy, originating from a court in XXXX, Maryland, is inaccurately linked to me, a resident of Florida. Under Statute at Large Vol. 88, Pg. 2183, TransUnion is required to ensure the accuracy of the information on credit reports, and their failure to correct this error upon notification breaches their legal obligations. Furthermore, under Statute at Large Vol. 82, Pg. 1126, TransUnion is mandated to investigate and remove erroneous items within four days upon receipt of identity theft claims, a requirement they have ignored.

I would also like to request information on the process used by TransUnion to verify and match this bankruptcy to me, particularly as only the last four digits of a social security number are legally permitted in public records, according to Public Law 108-159, 319. Please provide a detailed explanation of how this fraudulent bankruptcy from Maryland was linked to me, and why it has not been removed despite my repeated requests. 

I order Transunion to block and remove the fraudulent Bankruptcy item listed on my credit report and to answer my question about how I was matched to this bankruptcy, pursuant Public Law 108-159, 319?

TransUnions failure to comply with these laws constitutes a violation of 18 U.S.C. 241 and 242, as their continued refusal to remove the fraudulent bankruptcy and follow identity theft procedures deprives me of my rights. These actions amount to harassment, fraud, and theft, as defined by Black 's Law Dictionary : - Harassment : Conduct that is intended to disturb, upset, or trouble a person repeatedly. TransUnions refusal to correct their errors despite my numerous communications is a form of unlawful harassment.

- Fraud : A wrongful or criminal deception intended to result in financial or personal gain. By continuing to report this fraudulent bankruptcy on my credit, TransUnion is engaging in fraudulent activity by knowingly misrepresenting my creditworthiness. 

- Theft : The illegal taking of another person 's property without consent. TransUnions actions deprive me of my right to an accurate credit report, which is considered a form of personal property under the law.

As a result of these actions, I am a direct victim of TransUnions unlawful conduct, which has caused significant harm to my financial well-being. I have also reported these violations to the XXXX XXXX XXXX and the Florida Attorney General. 

I respectfully request that the CFPB witness and take note of TransUnions unlawful and illegal actions and ensures TransUnion promptly removes the fraudulent bankruptcy from my credit report and provides a thorough explanation of their verification process. 

An error not resisted is approved. '' This means that by failing to correct the fraudulent information, despite being informed and having the opportunity to correct the error, TransUnion essentially approves and perpetuates the wrong. Their inaction reflects complicity in the continued harm caused by the error.

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