Consumer complaint received 2024-06-22 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:
**Consumer Financial Protection Bureau ( CFPB ) Complaint** **Your Information : ** - **Name** : XXXX XXXX - **Address** : XXXX XXXX XXXX - **City, State, ZIP Code** : XXXX, XXXX  XXXX **Complaint Details : ** - **Complaint Against** : XXXXXXXX XXXX XXXX XXXX XXXX  - **Address** : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX*Subject** : Violation of FCRA - Impermissible Purpose for Obtaining and Reporting Bankruptcy Information **Complaint Description** : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the handling of my bankruptcy information. Specifically, XXXX XXXX XXXX obtained and reported bankruptcy information about me without a permissible purpose, as required by the FCRA. 

**Details of the Issue** : XXXX. **Impermissible Purpose** : According to 15 USC 1681b , a consumer reporting agency may only furnish a consumer report under certain circumstances, such as with the written instructions of the consumer, in connection with a credit transaction, employment purposes, underwriting of insurance, or other specific reasons outlined in the FCRA. XXXXXXXX XXXX XXXX obtained my bankruptcy information without such a permissible purpose. 

XXXX. XXXX*Improper Acquisition of Information** : XXXXXXXX XXXX XXXX claimed to have received information pertaining to my bankruptcy from publicly available records. However, to obtain information from the Public Access to Court Electronic Records ( PACER ) system, one must create an account, and the U.S. Bankruptcy Court does not report information to any third party directly, as confirmed by the court clerk. 

XXXX. **Failure to Ensure Accuracy** : As stated in 15 USC 1681e , consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting my bankruptcy without direct access or verification from the proper channels constitutes a failure to ensure accurate and verified reporting. 

XXXX. XXXX*Consumer Rights** : Under 15 USC 1681c , the FCRA provides specific guidelines on what information can be included in a consumer report and for how long. XXXXXXXX XXXX XXXX  ' actions have resulted in inaccurate and potentially damaging information being included in my consumer report. 

**Requested Resolution** : XXXX. Immediate removal of the bankruptcy information from my consumer report. 
XXXX. Written confirmation that this information has been removed and will not be reported in the future. 
XXXX. Assurance that XXXXXXXX XXXX XXXX will comply with all relevant provisions of the FCRA moving forward. 

**Attachments** : - Copies of correspondence with XXXX XXXX XXXX- Proof of submitted documents and requests - Copies of the letter received from XXXX XXXX XXXX  dated XX/XX/year> Please investigate this matter urgently and ensure that XXXXXXXX XXXX XXXX  complies with the legal standards for credit reporting. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation