Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I am filing this complaint against TransUnion for their continued failure to correct inaccurate and incomplete information on my credit report, specifically a XXXX XXXX bankruptcy listed with case number XXXX, despite multiple disputes and their non-compliance with the Fair Credit Reporting Act ( FCRA ). TransUnions inadequate investigations and refusal to remove this erroneous bankruptcy have caused significant harm to my credit profile, and I am seeking immediate resolution through the CFPB. 
The bankruptcy on my TransUnion credit report is reported with the incorrect case number XXXX ( Docket # XXXX ), whereas PACER records show the correct format as XXXX. This discrepancy suggests the bankruptcy may be misattributed to my file, as the reported number does not align with standard bankruptcy case formatting. Additionally, the listing is incomplete, identifying the court vaguely as U.S. Bankruptcy Court ( not a specific court, e.g., U.S. Bankruptcy Court for the XXXX XXXX of Michigan ) and omitting critical details such as the liability amount, remarks, plan confirmation date, and case termination date. These omissions render the reporting incomplete and potentially misleading to creditors. 
I first disputed this bankruptcy with TransUnion on XX/XX/XXXX via certified mail ( tracking # XXXX ), including identification documents to verify my identity. On XX/XX/XXXX, TransUnion falsely claimed the dispute wasnt from me, a baseless rejection given the enclosed documentation. I escalated this issue to the CFPB ( complaint XXXX ), but TransUnions interim reply on XX/XX/XXXX offered no resolution. On XX/XX/XXXX, TransUnion claimed the bankruptcy was verified as accurate ( file # XXXX ), yet provided no details about the furnisher, their contact information, or the verification method, violating FCRA Section 1681i ( a ) s requirement for a reasonable investigation. TransUnion closed the complaint on XX/XX/XXXX, again stating the bankruptcy was verified as reported, without addressing the discrepancies I raised. This pattern of inadequate investigation demonstrates non-compliance with FCRA requirements. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i ( a ), TransUnion is legally required to ensure all information in my credit report is accurate, complete, and verifiable, and to conduct a reasonable investigation of disputed items. Their failure to correct the incorrect case number, provide missing details, or substantiate their verification process violates these obligations. I am requesting that the CFPB intervene to ensure TransUnion conducts a proper investigation and removes this bankruptcy from my credit report if it can not be verified as accurate and complete.

I am attaching a detailed dispute letter that I am also sending to TransUnion by mail, which includes the following enclosures : -A copy of my current TransUnion credit report showing the bankruptcy. 
-TransUnions XX/XX/XXXX investigation results ( file # XXXX ). 
-A PACER case summary dated XX/XX/XXXX showing the correct case number format. 
-Copies of my ID, Social Security card, and proof of address to verify my identity.

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