Consumer complaint received 2025-06-16 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:
# Response to TransUnion Investigation Results * * File Number : * * XXXX * * Date : * * XX/XX/year> # # Dispute Challenge and FCRA Violations I am writing to formally challenge your investigation results dated XX/XX/year>, regarding the disputed XXXX  XXXX US Bankruptcy entry on my credit report. Your conclusion that this item was " VERIFIED AS ACCURATE '' is demonstrably false and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ).

# # # Timeline and Evidence I initiated this brand new dispute on approximately * * XX/XX/year> * *, providing comprehensive documentation including a letter from XXXX explicitly stating that * * I have no XXXX  XXXX US Bankruptcy reporting on my XXXX report * *. Multiple supervisors in your Special Handling Department have confirmed that TransUnion uses XXXX to validate bankruptcy reporting, making this evidence particularly relevant. 

# # # Verification of XXXX Records I have personally contacted XXXX representatives who have confirmed that : - No XXXX  XXXX US Bankruptcy appears anywhere on my XXXX report - My Public Records section contains no bankruptcy information whatsoever - There is no basis for any credit reporting agency to report this information as accurate # # # FCRA Violations by TransUnion Your hasty resolution within days of my dispute, without proper investigation, constitutes violations of the following FCRA provisions : * * 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to Conduct Reasonable Investigation * * - You failed to conduct a reasonable reinvestigation of the disputed information - The speed of your response ( within days ) indicates no genuine verification occurred - You did not contact the actual data source ( XXXX ) to confirm the information * * 2. 15 U.S.C. 1681e ( b ) - Failure to Follow Reasonable Procedures * * - You failed to follow reasonable procedures to assure maximum possible accuracy- You ignored direct evidence from the primary data source contradicting the reported information * * 3. 15 U.S.C. 1681i ( a ) ( 5 ) - Improper Verification Without Investigation * * - You reported information as " verified '' without conducting proper investigation- You failed to review the documentation I provided showing no bankruptcy exists # # # Unique Reporting Status TransUnion is the * * only credit bureau * * reporting this false XXXX  XXXX bankruptcy information. Under FCRA 1681s-2 ( b ), this creates additional concerns : - If the information were accurate, it should appear across all bureaus accessing the same data sources- The fact that other bureaus do not report this information suggests TransUnion is maintaining inaccurate data- This violates the duty to maintain accurate information under FCRA 1681e ( b ) # # # Required Actions Under FCRA 1681i ( a ) ( 1 ) ( A ), you must : 1. * * Immediately remove * * the false XXXX  XXXX bankruptcy entry from my credit report 2. * * Conduct a proper reinvestigation * * using the XXXX documentation I have provided 3. * * Provide written confirmation * * of the removal and investigation results 4. * * Send updated credit reports * * to any parties who received reports containing this false information within the past two years ( employment ) or six months ( credit ) # # # Supporting Documentation I am once again including the letter I received from XXXX, which clearly states : - * * No public records appear on my report * * - * * No XXXX  XXXX US Bankruptcy reporting exists * * - * * My public records section is completely clear * * This documentation directly contradicts your verification and proves the information on my TransUnion report is false.

# # # Legal Notice Your failure to properly investigate this dispute and remove demonstrably false information constitutes willful non-compliance with the FCRA. I am prepared to pursue all available legal remedies, including statutory damages under 15 U.S.C. 1681n, if this matter is not resolved immediately.

I expect the false bankruptcy entry to be removed within 5 business days of receipt of this correspondence, along with written confirmation of the correction and updated credit reports. 

* * Date : * * XX/XX/year> * * Dispute Reference : * * 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