Consumer complaint received 2024-05-31 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: TX

Complaint narrative:
Transunion has seriously violated my rights under the FCRA. Public records information is never validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency Privacy Law. Transunion lied and did not validate or verify the public record entries on my credit report, constituting a violation of 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. It has come to my attention that Transunion has employed a third-party to report and allegedly verify the bankruptcy record associated with my file. This practice raises significant legal and accuracy concerns under the FCRA. 
The bankruptcy record reported on my credit report was disputed on XX/XX/year>, yet Transunion responded on XX/XX/year>, stating that the record had been " verified ''. Not only did this verification fail to involve the original creditor, as XXXX is not the original creditor, but it also involved an incorrect court address, which does not correspond to any court where the alleged bankruptcy could have been filed, nor associated with record it is reporting. 
Furthermore, 15 USC 1681i ( a ) requires Transunion to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Relying on third-party data vendors such as XXXX, which do not directly obtain information from the original sources ( i.e., the courts ), does not satisfy this requirement. This procedural failure has led to incorrect data being reported on my credit profile, which constitutes a misrepresentation of my financial history and a direct infringement on my consumer rights. 
The reliance on third party to furnish and verify bankruptcy information, where third party is neither an original creditor nor a direct witness to the alleged bankruptcy, is improper and unauthorized under 15 USC 1681s-2 ( a ). This section stipulates those furnishers of information, like Transunion, must ensure the accuracy and integrity of the data they report to consumer reporting agencies. Moreover, it is illegal and a violation of my consumer rights for a third party, rather than the original creditor, to be used to obtain and report information on my consumer report. 
To further support Transunion lies and manipulation, in the attached letter from the XXXX XXXX XXXX for the U.S. Southern District Bankruptcy Court, where the alleged bankruptcy was reported states that the court never reports bankruptcies, nor confirms a bankruptcy filing. This demonstrates that Transunion intentionally provided false information and attempted to deceive me, violating 15 USC 1681i ( a ), which mandates that consumer reporting agencies must reinvestigate disputed information and verify its accuracy.

Per 15 USC 1681c ( a ), bankruptcy information is excluded from the consumers report. Transunions fraudulent activity and continuous violations are causing me significant harm, preventing me from receiving credit to support and sustain my family. 
Furthermore, for the past XXXX years I have disputed XXXX other accounts on multiple occasions that Transunion has alleged stated were verified. With those disputes I sent letters outlining the violations and discrepancies of the accounts reported, FTC reports, and police reports verifying the fraudulent accounts, yet Transunion continued to report these accounts which they allegedly verified. As result, of being caught lying about verifying this alleged bankruptcy this further supports the fact that Transunion has never truly investigated and verify any of these disputed accounts on my credit report. 
These actions are a clear violation of my rights. And as result i have been denied multiple credit cards, loans and refinancing of my home. I demand the immediate and permanent deletion of the bankruptcy information and all other disputed accounts currently associated with my social security number from my credit report. Additionally, I demand some monetary relief for the false claims and the significant losses I have suffered as a result of your actions. If this unauthorized public record information and disputed accounts are not removed within the next 15 days, I will file a complaint with the Federal Trade Commission and file a small claims action against your company.

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