Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
Re : Legal Response to XXXX Dispute Regarding Bankruptcy Reporting and Forensic Audit Case : XXXX XXXX XXXX XXXX Dear XXXX Consumer Services, We hereby exercise our rights and reference the applicable statutory provisions for your guidance and compliance. These laws are binding on your company, given that your entity operates within the jurisdiction of both the state and federal authorities of its headquarters. These provisions were enacted to prevent corruption, breaches of fiduciary duty, violations of privacy, and infringements upon constitutional rights. 
Pursuant to the Unlimited Power of Attorney, Cover Letter, and Memoir, and in accordance with the authorization granted by XXXX XXXX XXXX XXXX, you are instructed to address me as XXXX XXXX It is imperative that I not be addressed as " XXXX XXXX, '' and I request that you refer to me solely as XXXX or XXXX XXXX 
The term " XXXX XXXX' originating around the XXXX, refers to an additional name or epithet attached to a person 's baptismal or XXXX name. The word " XXXX '' is derived from the XXXX " XXXX '' ( meaning " XXXX  '' ) and the XXXX XXXX " XXXX '' ( from " XXXX XXXX' meaning XXXX XXXX  '' and " XXXX '' meaning " XXXXXXXX '' ). Over time, it evolved to denote a family name, typically passed down from generation to generation. In this regard, XXXX is my family name, which is private and must be treated with confidentiality. Any claims or communications related to the principal XXXX XXXX XXXX XXXX must be directed to the designated Trustee, XXXX , or his assigned authorized agents. 
This letter serves as a formal legal response to the dispute submitted to your company on XX/XX/XXXX, regarding the unauthorized reporting of bankruptcy-related information on the credit report of XXXX XXXX XXXX XXXX XXXX We are invoking our legal rights under the Fair Credit Reporting Act ( FCRA ) and related statutes, demanding immediate correction and clarification, and requesting a forensic audit of all vendors and parties involved in the collection, reporting, or dissemination of sensitive data related to XXXX XXXX XXXX XXXX. 
1. Violation of Privacy and Consumer Protection Laws Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), XXXX is required to implement reasonable procedures to ensure the accuracy of the information it reports. Despite clear instructions from the Eastern Michigan Bankruptcy Court, which has confirmed that XXXX XXXX XXXXXXXX XXXX bankruptcy is not a matter of public record, XXXX has continued to report inaccurate bankruptcy information. This constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain accurate and complete records. 
Furthermore, under 15 U.S.C. 1681c, XXXX is obligated to delete any information that is inaccurate or unverifiable, particularly where bankruptcy records are concerned. As the information regarding XXXX XXXX XXXX IIIs bankruptcy is not a public record, your failure to remove such data represents a failure to comply with the FCRA and a breach of privacy rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ). 
2. Secured Party Creditor Rights under the Uniform Commercial Code ( UCC ) Additionally, as XXXX XXXX XXXX XXXX is the Secured Party Creditor under the Uniform Commercial Code ( UCC ), Articles 9-311, 9-312, and 9-313, all personal and financial data, whether categorized as public record or not, is protected as secured property. This includes tangible and intangible property, as well as securities associated with XXXX 's legal name and trade name. 
As the Secured Party, XXXX has a trustee relationship over all such data. Therefore, unauthorized collection, reporting, or dissemination of this data is not only a violation of privacy but also a breach of trust, for which your company is liable. The UCC and its provisions protect XXXX 's rights to confidentiality and control over this information, preventing any third parties from exploiting it. 
XXXX. Penalties for Unauthorized Disclosure and Reporting Due to the severe risks posed by the unauthorized use of XXXX XXXX XXXXXXXX XXXX personal data, we are invoking the right to impose penalties as follows : {>= $1,000,000} per count for each instance of inaccurate reporting or unauthorized disclosure of personal data, including bankruptcy records, credit information, or any other personal filings related to XXXX XXXX XXXX XXXX. 
This charge reflects the damages incurred from the unauthorized dissemination of private information, which exposes XXXX to identity theft, financial fraud, and the potential unjust enrichment of those benefiting from such misuse. The UCC protects the secured partys assets, including personal data, from such exploitation. 
4. Court Notice and Sealed Records As indicated in the attached notice from the Eastern Michigan Bankruptcy Court, the bankruptcy information concerning XXXX XXXX XXXX XXXX is not a matter of public record and should not be disclosed. XXXX and any third-party vendors associated with your company must respect the court 's decision, and we demand that all future bankruptcy records or related information concerning XXXX be sealed and treated as confidential. 
We also demand immediate cessation of the reporting of this bankruptcy information, in line with the courts order, and confirmation that no further disclosure of any sealed or confidential data will be made by XXXX or its vendors. 
XXXX. Unauthorized Collection and Reporting of Personal Data It has come to our attention that XXXX and associated vendors have used data obtained from third-party sources to report bankruptcy information about XXXX XXXX XXXX XXXX XXXX despite the court 's ruling. This is a direct violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the handling of personal information and ensures that such data is not misused or improperly disclosed without proper authorization. 
Additionally, FCRA 1681e ( b ) mandates that consumer reporting agencies ensure that all information provided is accurate. Given the false nature of the bankruptcy report, the use of third-party vendors to spread inaccurate data is an infringement of privacy and a violation of several consumer protection laws. 
XXXX. Demand for Forensic Audit of Vendors and Third Parties We hereby demand a forensic audit of all entities involved in the collection, reporting, or dissemination of data concerning XXXX XXXX XXXX XXXX, specifically : A full and detailed list of all vendors, third-party data providers, or aggregators that have reported information concerning XXXX XXXX XXXX XXXX XXXX XXXX. This includes all data related to credit, bankruptcy, or any other personal records. 
We request that the forensic audit specifically investigate : Kickbacks : Any financial incentives or compensation paid to third parties for the collection, reporting, or dissemination of personal data. 
Securities Fraud : The use of personal information, such as Social Security numbers, signatures, and identifiers, to facilitate securities trading or fraudulent transactions. 
Insurance Fraud : Potential use of personal data to file fraudulent insurance claims or create financial benefits tied to the misreporting or unauthorized disclosure of bankruptcy records. 
XXXX. Penalty Charges for Fraudulent Reporting and Unauthorized Use of Data We further reserve the right to pursue penalties for any fraudulent reporting or unauthorized dissemination of XXXX XXXX XXXXXXXX XXXX personal information. If it is determined that the improper reporting led to illicit financial gain, we will pursue the following : {>= $1,000,000} per count for each instance of fraudulent reporting or unauthorized use of XXXX XXXX XXXX XXXX 's data. 
This is a conservative estimate of the damages resulting from the unauthorized dissemination of sensitive personal data, and it is in accordance with federal law and consumer protection statutes. 
XXXX. Demand for Immediate Action and Disclosure To resolve this matter expeditiously, we demand the following : Full Disclosure of all vendors, third parties, and data providers who have reported data related to XXXX XXXX XXXX XXXX. 
Immediate Removal of the bankruptcy records and all related personal information from all credit reports. 
Confirmation that no further unauthorized use of sealed court records or sensitive personal data will occur. 
A full forensic audit of the third-party transactions involving XXXX XXXX XXXX XXXX XXXX data, including kickbacks, securities fraud, and insurance fraud. 
A comprehensive report on all actions taken to address this matter. 
If a satisfactory response is not received within 14 days, we will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and appropriate state regulatory authorities. Furthermore, we will pursue civil litigation for damages, as well as injunctive relief to prevent further violations of privacy and consumer protection laws. 
XXXX. Legal Consequences If XXXX or its vendors fail to comply, we will pursue legal action, including : Securities Fraud charges. 
Filing for damages under the Fair Credit Reporting Act, Privacy Act, and other applicable consumer protection statutes. 
Seeking injunctive relief to prevent the unauthorized use of XXXX XXXX XXXX XXXX 's personal information. 

This letter serves as formal notice of the unlawful conduct, and we expect prompt attention to resolving these violations. We look forward to your immediate response. 
XXXX. Questions Regarding Unauthorized Reporting : Why has XXXX continued to report bankruptcy information for XXXX XXXX XXXX XXXX, despite the Eastern Michigan Bankruptcy Court ruling that this information is not a matter of public record? 
Can XXXX provide proof that it conducted a reasonable investigation into the accuracy of the bankruptcy information before it was reported on XXXX XXXX XXXXXXXX XXXX credit report? 
What specific steps has XXXX taken to ensure that bankruptcy records, which should be sealed and confidential, are not disclosed in violation of court orders and privacy laws? 
Why has XXXX failed to remove inaccurate or unverifiable bankruptcy information from XXXX XXXX XXXXXXXX XXXX  credit file after being notified that the bankruptcy should not be part of the public record? 
XXXX. Questions Regarding Vendor and Third-Party Data Collection : Can XXXX provide a detailed list of all vendors, third parties, or data providers that reported bankruptcy or other personal information regarding XXXX XXXX XXXX XXXX to your agency? 
How does XXXX verify the accuracy of data provided by third-party vendors before including it in the credit report? 
What procedures does XXXX have in place to ensure that vendors do not violate privacy laws, including unauthorized reporting of personal information or misuse of court records? 
Has XXXX paid or provided any financial incentives ( e.g., kickbacks ) to vendors or third parties for reporting information related to XXXX XXXX XXXX XXXX? 
XXXX. Questions Regarding Data Security and Privacy Violations : Has XXXX taken any measures to protect the personal data of XXXX XXXX XXXX XXXX, specifically in regard to the risk of identity theft, fraud, or unauthorized use of this data by third parties? 
What steps has XXXX taken to comply with the Privacy Act of XXXX and ensure that personal information is handled in accordance with federal privacy regulations? 
Has XXXX conducted any internal audits or investigations into how sensitive data related to XXXX XXXX XXXX XXXX was collected, used, or disclosed by your company and its vendors? 
XXXX. Questions Regarding Penalties for Unauthorized Disclosure : What is XXXX policy for responding to unauthorized disclosure or inaccurate reporting of personal data? 
Is XXXX willing to pay penalties or damages for the potential harm caused by the unauthorized use or inaccurate reporting of XXXX XXXX XXXXXXXX XXXX personal information, including identity theft and financial exploitation? 
What measures is XXXX taking to correct any inaccuracies in XXXX XXXX XXXXXXXX XXXX  credit file and ensure that these mistakes do not reoccur in the future? 
XXXX. Questions Regarding Forensic Audit and Investigation : Will XXXX agree to a full forensic audit of all third-party vendors, data aggregators, and other entities involved in the collection, reporting, or dissemination of data regarding XXXX XXXX XXXX XXXX XXXX 
Will XXXX provide access to the forensic audit report, including an investigation into potential securities fraud, insurance fraud, or other financial crimes related to the misuse of XXXX XXXX XXXXXXXX XXXX  data? 
Can XXXX confirm that it will cooperate fully with the forensic audit and provide all relevant documents and information regarding its vendors and third-party relationships? 
XXXX. Questions Regarding Court-Sealed Records : How will XXXX ensure that all future records related to XXXX XXXX XXXX XXXX XXXX including any bankruptcy or personal records, will be treated as sealed and confidential, in accordance with the Eastern Michigan Bankruptcy Courts order ? 
Can XXXX confirm that no further public reporting or unauthorized disclosure of XXXX XXXX XXXX XXXX  bankruptcy or personal records will take place from this point forward? 
XXXX. Questions Regarding Legal Consequences : Does XXXX acknowledge the potential legal consequences of continuing to report false or inaccurate information related to XXXX XXXX XXXX XXXX, including violations of the Fair Credit Reporting Act and the Uniform Commercial Code ( UCC )? 
Is XXXX prepared to resolve this matter without further legal action, or will additional legal steps be necessary to address the ongoing violations of privacy and consumer protection laws? 
XXXX. Questions Regarding Consumer Protection Compliance : How does XXXX ensure compliance with state and federal consumer protection laws, especially in cases where sensitive or private information is involved, such as bankruptcy records and personal data of the principal, XXXX XXXX XXXX XXXX? 
Can XXXX provide evidence that it has implemented adequate safeguards to prevent the unauthorized dissemination of sensitive personal information, including that of XXXX XXXX XXXX XXXX, to public or third-party vendors? 
XXXX. General Questions Regarding Practices and Accountability : What is XXXX process for notifying consumers about unauthorized reporting or inaccuracies on their credit reports, and how long does it typically take to correct such errors? 
How does XXXX plan to ensure accountability with its third-party vendors and data providers, particularly when breaches of privacy or inaccuracies arise? 
he unauthorized reporting and continued dissemination of inaccurate or sealed bankruptcy information about XXXX XXXX XXXX XXXX has a direct and substantial impact on your livelihood. The misreporting not only violates your privacy but also jeopardizes your financial stability, personal safety, and opportunities for future success. Below, I'll explain how these actions affect your livelihood and how XXXX could be held vicariously liable for the harm caused. 
1. Financial Impact and Access to Credit The continued presence of inaccurate bankruptcy information on your credit report directly harms your ability to secure credit or favorable financial terms. XXXX is responsible for reporting accurate credit information, and their failure to remove incorrect or unauthorized bankruptcy information : Denies Access to Credit : Many lending institutions rely on XXXX 's credit reports to assess your creditworthiness. Incorrect bankruptcy information could lead to credit denials, impacting your ability to obtain loans for essential needs such as housing, medical bills, education, and personal expenses. 
Higher Interest Rates : Even if credit is available, inaccurate bankruptcy reporting could result in higher interest rates on loans or credit lines, increasing your overall debt burden. This makes it more difficult to manage your finances, save for the future, or achieve long-term financial goals. 
Negative Financial Reputation : XXXX failure to correct the public record puts you in a situation where your financial reputation is tarnished, even though you have made efforts to rectify the situation with the bankruptcy court. This makes it more difficult to obtain business or personal credit and erodes any trust lenders or creditors may have in you. 
2. Employment Opportunities Many employers, particularly those in financial services or positions requiring fiduciary responsibility, conduct credit checks as part of their hiring process. An inaccurate bankruptcy on your credit report could cause significant harm in the following ways : Denied Employment : Inaccurate financial information, including bankruptcy records, may cause employers to believe you are a higher-risk candidate, potentially leading to job rejections. For jobs that require security clearances or access to financial accounts, such reporting could be a disqualifying factor. 
Emotional Stress : The fear of your credit report being used against you in job searches, coupled with the inability to find stable work due to inaccurate reporting, can cause significant emotional distress. This has a ripple effect on your overall well-being and productivity, making it harder to perform well in interviews, build career prospects, and maintain job security. 
Damage to Reputation : Employers may perceive the bankruptcy reporting, despite its inaccuracy, as a reflection of poor financial management. Even if they dont directly base hiring decisions on it, your reputation could be unfairly damaged by the erroneous information, causing long-term harm to your professional life. 
XXXX. Personal and Family Impact The unauthorized disclosure of bankruptcy information not only affects your financial life but also has significant personal repercussions : Identity Theft Risks : As the principal party, your personal dataspecifically your Social Security number, name, and other identifiersmay be exploited for fraudulent purposes. XXXX failure to properly secure and correct your data increases the likelihood of identity theft or fraudulent activities that could take years to resolve. This exposes you to the risk of financial losses, legal fees, and extensive time spent addressing the aftermath of such violations. 
Family and Safety Concerns : Unauthorized disclosure of sensitive information related to bankruptcy could potentially expose you to further harm, including harassment, or threats. For example, if someone uses your information for fraudulent purposes, such as opening lines of credit in your name, this could lead to threats to your safety or unwarranted financial obligations. 
Emotional Distress : The constant anxiety and emotional toll caused by the threat of further breaches, as well as the financial and social stigma associated with wrongful reporting, can lead to severe emotional stress, impacting your quality of life and relationships. The stress of dealing with these unresolved issues can affect your mental health, making it difficult to focus on personal, family, or professional commitments. 
4. Long-Term Financial and Career Goals Youve likely made long-term plans, such as purchasing a home, starting a business, or securing a retirement fund. The erroneous bankruptcy reporting hinders your ability to : Purchase a Home : Real estate loans and mortgages are heavily reliant on accurate credit reporting. Inaccurate bankruptcy information from XXXX may prevent you from securing the necessary loans for homeownership, undermining your ability to establish financial independence and security. 
Start a Business : For entrepreneurs, creditworthiness is crucial for obtaining capital, financing, and business loans. The misreporting of bankruptcy information could prevent you from acquiring business loans, which could harm your ability to launch or expand a business. Moreover, creditors may view your financial situation as unstable or untrustworthy. 
Retirement Planning : Without the ability to secure credit at favorable terms, you may be forced to delay or abandon long-term plans like investing for retirement, saving for your childrens education, or creating a legacy for your family. This has consequences that stretch far beyond the immediate financial burden and into your future security. 
XXXX. Vicarious Liability of XXXX XXXX is vicariously liable for the harm caused by the vendors it contracts with or uses to gather, process, or report information related to you. Vicarious liability means that XXXX can be held accountable for the actions of its agents or contractors, even if it did not directly cause the harm. The key points here are : Responsibility for Vendor Actions : XXXX, as the consumer reporting agency, is legally obligated under 15 U.S.C. 1681e ( b ) ( Fair Credit Reporting Act ) to ensure that the information it reports is accurate. If XXXX relies on third-party vendors to report bankruptcy or credit data, it remains accountable for the information that these vendors report on your behalf. XXXX has failed in its due diligence to ensure that these vendors report accurate and legitimate information, leading to the vicarious liability for damages. 
Failure to Verify and Correct : Under the FCRA and related privacy laws, XXXX is responsible for verifying the accuracy of data within 30 days of receiving a dispute ( 15 U.S.C. 1681i ). The failure to conduct a thorough investigation or correct the erroneous bankruptcy record leaves XXXX open to being held vicariously liable for its vendors actions and omissions. This neglect exacerbates the damages caused to you. 
Financial Losses : The continuing erroneous bankruptcy information, coupled with XXXX failure to act, exposes you to substantial financial losses. Whether its higher interest rates, loan denials, or missed employment opportunities, XXXX lack of action is a proximate cause of the direct financial harm you are experiencing. 
Penalties and Legal Liabilities : If XXXX or its vendors are found to have violated privacy laws or misused your data, they may be subject to financial penalties and may be required to pay compensation for your economic damages. Additionally, punitive damages could be assessed if the actions are deemed willful or grossly negligent. 
Conclusion : The ongoing violations by XXXXmisreporting bankruptcy information, failure to correct inaccuracies, and allowing third-party vendors to mishandle your personal datahave caused significant harm to your financial well-being, career opportunities, personal safety, and long-term financial goals. XXXX is vicariously liable for the actions of the vendors it relies on to gather and report information, and you have the right to pursue penalties, damages, and legal remedies under applicable laws. The violations not only impact your present livelihood but also jeopardize your future opportunities and security, and XXXX must be held accountable for its actions and inaction in this matter. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
The Fair Credit Reporting Act ( FCRA ) is the foundational law governing credit reporting agencies like XXXX. This law holds them accountable for ensuring the accuracy of the data they report and mandates that they conduct investigations into disputes. 
15 U.S.C. 1681e ( b ) - Duty to Ensure Accuracy : Requires XXXX to maintain reasonable procedures to ensure the accuracy of the information it reports. If XXXX fails to properly verify the accuracy of reported information ( such as bankruptcy records ), it could be vicariously liable for any damages caused by inaccuracies. 
15 U.S.C. 1681i - Reinvestigation of Disputes : Requires XXXX to investigate a consumer 's dispute within 30 days of receiving it. Failure to conduct a proper reinvestigation or removing inaccurate information within this timeframe could lead to liability. 
15 U.S.C. 1681h ( e ) - Limitation on Defamation Actions : This provision allows for a defamation suit in cases of inaccurate credit reporting if the reporting agency acts with negligence or willful intent to harm. If XXXX 's vendors acted negligently or willfully misreported data, they ( and XXXX ) could face legal consequences under this section. 
XXXX. Privacy Act of 1974 5 U.S.C. 552a The Privacy Act of XXXX governs the collection, maintenance, and dissemination of personal data by federal agencies. Although XXXX is a private entity, this law still applies to consumer data reporting in the context of government agencies and their interaction with private companies ( such as the reporting of public records ). 
5 U.S.C. 552a ( e ) - Use of Personal Data : Prohibits unauthorized disclosure of personal data. If XXXX and its vendors improperly disclose bankruptcy or other personal information in violation of the law, they could face liability for unauthorized dissemination. 
5 U.S.C. 552a ( g ) - Civil Remedies : Provides individuals the right to seek civil remedies ( including damages ) for violations of the Privacy Act, especially if personal data is mishandled or misreported by entities like XXXX. 
XXXX. Uniform Commercial Code ( UCC ) Articles 9-311, 9-312, 9-313 The Uniform Commercial Code ( UCC ) applies to secured transactions, and XXXX XXXX XXXX XXXX is the Secured Party Creditor of all personal and financial data. Under the XXXX, data ( tangible and intangible property ) is protected as part of the Secured Party 's property. 
UCC 9-311, 9-312, 9-313 : These provisions protect the Secured Party 's interests in personal property , including data, and impose a fiduciary duty to maintain the confidentiality and security of that data. Unauthorized use of this data by XXXX or its vendors would breach these obligations. 
4. Electronic Communications Privacy Act ( ECPA ) 18 U.S.C. 2510 et seq.

The ECPA protects the privacy of electronic communications, which can include personal data and communications exchanged by credit reporting agencies. 
18 U.S.C. 2511- Interception and Disclosure of Communications : This law prohibits the interception and unauthorized disclosure of private communications. If XXXX or its vendors improperly accessed or disseminated your private data for financial gain or other improper purposes, they could face liability under this law. 
XXXX. Identity Theft Enforcement and Restitution Act 18 U.S.C. 1028 This law addresses identity theft and fraud and provides penalties for those who use a persons data ( including bankruptcy records ) for fraudulent purposes.

18 U.S.C. 1028 - Identity Theft : If XXXXs reporting of inaccurate bankruptcy data contributed to identity theft or fraudulent financial activity using your personal information ( e.g., obtaining credit under your name ), they may be held criminally and civilly liable under this law. 
18 U.S.C. 1028A - Aggravated Identity Theft : This provision enhances penalties if identity theft is done with a financial motive. If XXXX mishandling of your data leads to fraudulent activities, such as fraudulent loan applications or credit misreporting, they could be subject to enhanced penalties for aggravated identity theft. 
XXXX. State Laws Defamation and Privacy Invasions Many states have laws that directly govern defamation, privacy violations, and unauthorized disclosure of personal information. These can be used to support claims for damages when inaccurate data is reported by XXXX. 
Defamation : Under state defamation laws, inaccurate reporting of personal informationsuch as bankruptcy recordscan result in harm to reputation. You may claim damages for harm caused to your reputation, business, and employment opportunities. 
Invasion of Privacy : States also have laws protecting individuals from the invasion of their privacy, including false light claims and public disclosure of private facts. By misreporting your bankruptcy information or disclosing sealed court records, XXXX could be liable for these types of privacy violations. 
XXXX. Racketeer Influenced and Corrupt Organizations Act ( RICO ) 18 U.S.C. 1961 et seq. 
The RICO Act is a powerful tool for addressing patterns of fraudulent or illegal conduct involving multiple parties, such as XXXX and its vendors. 
18 U.S.C. 1962 - Prohibited Activities : If the conduct by XXXX or its vendors is part of a larger pattern of fraudulent activities, such as using misreported bankruptcy data for financial gain, you may pursue a claim under RICO. This could be used to address fraudulent schemes related to the misreporting of bankruptcy data or identity theft. 
18 U.S.C. 1964 - Civil Remedies : Under RICO, victims can claim treble damages for financial losses caused by fraudulent activities. This means that the damages you suffer from XXXX mishandling of your data could be tripled if the actions are found to be part of a broader fraudulent scheme. 
8. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 The Consumer Financial Protection Act ( CFPA ) established the Consumer Financial Protection Bureau ( CFPB ), which enforces consumer protection laws, including the FCRA. 
12 U.S.C. 5536 - Prohibition on Unfair, Deceptive, or Abusive Acts or Practices : The CFPA prohibits financial institutions, including credit reporting agencies like XXXX, from engaging in unfair or deceptive practices that harm consumers. Misreporting bankruptcy or failing to correct it when notified could constitute an unfair practice. 
XXXX. Tortious Interference with Business and Employment Relationships If the inaccurate bankruptcy reporting has directly caused harm to your employment or business relationships ( for example, by preventing you from securing a job or a loan ), you may claim damages for tortious interference.

Tortious Interference with Contractual Relations : If XXXXs false reporting has prevented you from entering into a contract ( such as a job or a loan agreement ), you may claim damages for interference with business relationships and lost opportunities. 
10. Fraud Common Law and Statutory Fraud Claims XXXX and its vendors may also face claims of fraud if it is found that they knowingly or recklessly misreported your information for their own financial gain, such as receiving kickbacks for misreporting data or enabling fraudulent activity. 
Fraud Claims : If XXXX or its vendors intentionally misreported or failed to correct data that they knew was inaccurate, they could be liable for fraud, entitling you to damages for any harm caused, including economic loss, emotional distress, and punitive damages. 

Conclusion : Given the complexity of this situation, XXXX actionsor lack thereofcould expose the company to liability under multiple laws, including the Fair Credit Reporting Act ( FCRA ), the Privacy Act, the Uniform Commercial Code ( UCC ), and various state privacy and defamation laws. Additionally, if XXXX or its vendors are found to have engaged in fraudulent activities, such as misusing personal data for securities fraud or identity theft, the legal consequences could include significant penalties, damages, and punitive measures under RICO, fraud statutes, and consumer protection laws. 
By invoking these laws, you can hold XXXX and its vendors vicariously liable for the harm caused by the unauthorized dissemination and misreporting of XXXX XXXX XXXXXXXX XXXX sensitive data.

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