Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE BANKRUPTCY FCRA VIOLATIONS To Whom It May Concern, I am writing to formally dispute the bankruptcy reporting on my TransUnion credit report. I have never filed for bankruptcy, and the XXXX XXXX  XXXX in XXXX XXXX has confirmed this. This inaccurate reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

Details of the Disputed Bankruptcy Bankruptcy Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Filed Under : XXXX XXXX ( Incorrectly Assigned ) Case Number : [ If Available ] Supporting Evidence Included A written confirmation from the XXXX XXXX XXXXXXXX XXXX, XXXX, confirming that I have never filed for bankruptcy. 

Copies of my XXXX and XXXX credit reports, which do NOT show any bankruptcy. 
FCRA VIOLATIONS BY TRANSUNION 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy TransUnion has a legal duty to ensure all reported information is accurate. Reporting a bankruptcy that does not belong to me is a direct violation.

2. FCRA 1681i ( a ) ( 1 ) ( A ) Inclusion of False Information The U.S. Bankruptcy Court does not report to credit bureaus. TransUnion is reporting incorrect information obtained from a third-party source, violating federal law.

3. FCRA 1681i ( a ) ( 5 ) Failure to Properly Reinvestigate If TransUnion previously " verified '' this bankruptcy, it failed to conduct a proper reinvestigation, making the reporting unlawful.

4. FCRA 1681g ( a ) ( 2 ) Failure to Disclose Source of Information I am demanding that TransUnion provide the exact source of this bankruptcy record. If it can not be verified with official court documentation, it must be deleted immediately.

5. FCRA 1681c ( a ) ( 1 ) Mixed File Error The XXXXXXXX XXXX  XXXX confirmed that multiple individuals with the name " XXXX XXXX '' have filed for bankruptcy. This is a clear mixed file violation, and the inaccurate bankruptcy must be deleted immediately. 

DEMAND FOR IMMEDIATE ACTION 1. I am formally demanding that TransUnion : 2. Immediately delete the inaccurate bankruptcy from my credit report.

3. Provide written confirmation that this bankruptcy has been permanently removed. 

Disclose the exact source of this incorrect information. 

Failure to comply within 30 days will result in formal complaints to the CFPB, FTC, and California Attorney General for willful FCRA violations. Additionally, I reserve the right to pursue legal action for damages under FCRA 1681n, which allows for statutory damages of up to {$1000.00} per violation, plus attorney fees. 

This is my final notice. If TransUnion can not provide court-verified proof of this bankruptcy, it must be removed immediately. 

Sincerely, XXXX XXXX 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 non-monetary relief