Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint against TransUnion for its willful and reckless violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. TransUnion is inaccurately reporting a XXXX  XXXX Bankruptcy, Reference XXXX XXXXXXXX, allegedly filed on XX/XX/XXXX and discharged on XX/XX/XXXX. This reporting is not only factually defective but also completely unverifiable as required under federal law.

The U.S. Bankruptcy Court for the Western District of Oklahoma, the official custodian of the bankruptcy records, issued an official notice dated XX/XX/XXXX and signed by Deputy Clerk XXXX XXXX. The court explicitly stated : The Clerks Office is not a reporting agency for the credit bureaus. We do not actively report information to any of the credit reporting agencies. 
Our office does not control the actions of credit reporting agencies and their accessing or maintaining this information. 

This notice proves, beyond dispute, that TransUnion can not possibly obtain verification of this bankruptcy from the court. Any claim of verification made by TransUnion is inherently false, misleading, and unlawful.

Under FCRA 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. Reporting a bankruptcy as verified without contacting the official custodian of the records is not only unreasonable, it is grossly negligent.

Under FCRA 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of an item, the bureau must conduct a reasonable reinvestigation. I have previously disputed this reporting with TransUnion, and TransUnion falsely claimed the bankruptcy was verified. However, the court has confirmed it does not provide such veri
fication. TransUnions reinvestigation, therefore, was a sham, viol

ating 1681i ( a ). Further, by publishing this unverifiable bankruptcy, TransUnion is in violation of FDCPA 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations regarding the legal status of a consumers debt or obligations. Reporting this bankruptcy as valid and verified misrepresents my legal status, creating the false impression of an ongoing financial obligation. 

TransUnions conduct has also created contradictions across the industry. While Experian and XXXX  report different reference numbers and details for the same bankruptcy, TransUnion reports its own unique reference number. These inconsistencies alone prove the data is unreliable and not tied to the actual source of truth the court. 
Harm Caused As a direct result of TransUnions reckless reporting, I have suffered : Credit denials for auto loans, mortgage applications, and revolving credit.

Higher interest rates on approved credit products due to artificially deflated credit scores.

Loss of housing opportunities, as landlords relied on TransUnions false report.

Loss of employment opportunities, as some employers use credit reports in hiring decisions.

Emotional distress, reputational harm, and prolonged financial hardship.

TransUnions willful disregard for accuracy and verification has caused me measurable financial and emotional damage.

Legal Precedent Courts have consistently ruled that credit bureaus may not rely on unverifiable or third-party sources for bankruptcy reporting. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that a credit reporting agency may be liable when it fails to go beyond the original source of disputed information if the circumstances indicate that further investigation was necessary. TransUnions reliance on unverifiable sources ( such as XXXX or other data vendors ) rather than the court itself is precisely the kind of failure condemned in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court reaffirmed that reporting unverifiable information violates the FCRAs mandate for maximum possible accuracy. 

TransUnion is in clear violation of these standards.

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