Consumer complaint received 2025-06-04 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: AR

Complaint narrative:
I am filing this complaint against TransUnion LLC for its continued reporting of a disputed bankruptcy despite clear and repeated indications that the information is inaccurate, improperly verified, and causing me significant financial harm. 

The original data furnisher, XXXX XXXX XXXX, has confirmed that they contacted TransUnion regarding this record and have received no response as of the date of this complaint. Proof of XXXX outreach will be attached. 

Despite the furnisher initiating a dispute, TransUnion continues to report the bankruptcy as accurate and verified. However, TransUnion has not disclosed the method by which they allegedly verified this public record, in direct violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the CRA to provide a description of the procedure used to determine the accuracy of the information and the name of the person contacted, if any. 

TransUnion could not have verified this bankruptcy with XXXX ( as they are disputing it ), nor could they have confirmed it through PACER ( a public court system that does not verify or report on behalf of third-party agencies ), or through the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX which has verified they do not furnish data to credit reporting agencies or data resellers. Therefore, any claim of verification by TransUnion is unsupported, misleading, and likely unlawful. 

Only XXXX has acted in compliance by removing the bankruptcy from my report. TransUnions refusal to do the same despite knowing the source record is disputed and unverifiable demonstrates a reckless disregard for consumer protection law and has caused measurable harm to my creditworthiness. 

As a single mother and full-time college student residing in Arkansas, XXXX am actively working toward purchasing my first home. This inaccurate reporting by TransUnion is directly blocking me from qualifying for housing programs and affordable mortgage options.

I have also filed a formal complaint with the Arkansas Attorney Generals Consumer Protection Division. The evidence from XXXX and the Bankruptcy Court demonstrates that XXXXXXXX has no legitimate or legal basis to continue reporting this bankruptcy and is violating the Fair Credit Reporting Act ( FCRA ) under : 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information with due diligence ; 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose the method of verification. 

TransUnions failure to respond to XXXX, failure to validate with proper authorities, and failure to comply with federal consumer protection statutes constitute a pattern of noncompliance that warrants regulatory enforcement.

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