Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Unverifiable Bankruptcy Reporting ( Case No. XXXX ) Companies : Experian, Equifax, and TransUnion XXXX XXXX XXXX XXXX XXXX : I am filing this formal complaint against Experian, Equifax, and TransUnion for continued reporting of Bankruptcy Case No. XXXX in violation of federal consumer protection laws. Despite multiple disputes and requests for reinvestigation, these credit reporting agencies continue to report this public record inaccurately and without proper verification. 



Details of the Issue : The bankruptcy listed as XXXX XXXX. XXXX is currently being reported on my credit file by all three major credit bureaus.

I have disputed this item multiple times, requesting verification as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ).

I requested that each agency verify the source of the information and provide proof that the reporting is accurate and complete. 

The responses I received failed to include any documentation from the original source ( i.e., the bankruptcy court ) confirming the accuracy or legality of the reporting. 

Upon contacting the United States Bankruptcy Court Eastern District of Louisiana, I was informed that they do not furnish or verify consumer information to credit bureaus, as confirmed in past CFPB and court findings.

Therefore, Experian, Equifax, and TransUnion are unable to independently verify this bankruptcy, and yet they continue to report it as a valid public record.

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), the CRAs are required to : Maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) Conduct a reasonable reinvestigation if a consumer disputes information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Delete unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) if the disputed data can not be confirmed The continued reporting of this unverifiable public record constitutes : Willful or negligent noncompliance with the FCRA Reputational and financial harm due to a derogatory and inaccurate public record A direct violation of my consumer rights under federal law Resolution Sought : I am requesting that the CFPB investigate this matter and require the following : 1. Immediate deletion of Bankruptcy Case XXXX. XXXX from my Experian, Equifax, and TransUnion credit files.

2. A formal written confirmation of removal from each credit bureau.

3. An internal review by each bureau on their procedures for verifying public records when the original furnisher does not report or verify such information.

I have retained copies of all prior disputes, credit reports, and the courts response to support this complaint and can provide them upon request. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> XXXX

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 explanation