Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX XXXX around the ending of XX/XX/XXXX, which I was denied. A XXXX XXXX XXXX XXXX loan officer stated I was denied due to fresh bankruptcies on my credit report. I stated I had not filed any bankruptcies in XXXX, I was advised they go by information from TransUnion through their credit dashboard. I checked my credit report on the dashboard system and there was three bankruptcy filings for XXXX on the same day, I noticed during the period of XXXX - XX/XX/XXXX each month the report had three new filings with a new date for each month. On XX/XX/XXXX, I

disputed online all the bankruptcy information on my report and the next day I saw dispute investigation completed and information was accurate and verified. Trans Union has engaged in deceptive acts and practices in violation of FCRA which has caused me economic and emotional harm. Trans Union has failed to meet the standard of accuracy on reporting that is required of CRA 's under the FCRA. Trans Union engaged in a pattern of reporting practices that failed to properly collect, collate, assess and report accurate bankruptcy information, causing inaccurate and/or misleading notations onto my credit report. To indicate that I filed three bankruptcy cases all on the same day and changed with each new month is beyond a huge failure. It goes against federal laws and statutes relating to court filing procedures which any competent person should know. Trans Union also failed to update its public record searches, resulting in its failure to include complete bankruptcy records. This impacted me by having my credit scores lowered, denials of loan and credit applications, and higher interest rates. I have disputed the bankruptcy information listed as inaccurate on my credit report for years but each time Trans Union came back stating information was verified. However, Trans Union has listed on my credit alert history that the
XXXX  Bankruptcy Court had notified them of filings, which is false information. Once I disputed the wrongful bankruptcy data in their reports, I was advised and le
d to believe that the information was reported by the Courts and I needed to contact them. Trans Unions failure to be fully transparent during the investigations and reinvestigations and correction phase of the dispute process has caused me great distress, anxiety, feelings of despair and hopelessness. Their inaccurate information has caused lending institutions, etc. to have a prejudicing perspective due to this adverse information, especially stating I have filed for three bankruptcy filings in one day and the dates changed with each new month. It's obvious Trans Union is not in Metro 2 compliance and disregards rules and regulations as it has XXXX XXXX as the furnishers. This false and inaccurate information from all bankruptcy information listed should have been removed.

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