Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX * * TransUnion LLC * * Consumer Dispute Center XXXX  XXXX XXXX XXXX, XXXX  XXXX * * RE : FORMAL DISPUTE AND DEMAND FOR PROPER VERIFICATION * * * * Consumer : * * XXXX XXXX XXXX * * Date of Birth : * * XX/XX/XXXX * * SSN : * * XXXX * * File/Reference Number : * * XXXX -- -- - # # DISPUTE OF INACCURATE BANKRUPTCY REPORTING I am writing to formally dispute the inaccurate bankruptcy information appearing on my credit report and to demand immediate compliance with federal consumer protection laws. This letter serves as notice that your current verification procedures are inadequate and potentially violate multiple federal statutes. 

# # FACTUAL FINDINGS AND THIRD-PARTY VERIFICATION I have obtained direct confirmation from XXXX that XXXX XXXX. * * All major credit bureaus, including TransUnion, utilize XXXX to verify public records, including bankruptcies * * XXXX. * * TransUnion has NOT pulled a fresh XXXX report * * to verify the disputed bankruptcy information XXXX. * * XXXX public records show NO bankruptcy information * * in my file XXXX. * * XXXX Bankruptcy Courts do NOT report directly to credit bureaus * * - all bankruptcy information must be independently verified through public record searches * * XXXX Reference : * * Case Number * * XXXX * * - This case number serves as verification of my direct communication with XXXX regarding the absence of bankruptcy information in their public records database. 

# # LEGAL VIOLATIONS AND DEMANDS FOR COMPLIANCE # # # XXXX. FAIR CREDIT REPORTING ACT ( FCRA ) VIOLATIONS * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * - * * Duty to Reinvestigate : * * You have failed to conduct a reasonable reinvestigation of the disputed information. Your current process does not include pulling fresh verification from XXXX, your own stated verification source. 

* * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * - * * Duty to Provide Notice : * * You must provide written notice of the results of reinvestigation within XXXX business days of completion, including the method of verification used. 

* * 15 U.S.C. 1681e ( b ) * * - * * Reasonable Procedures : * * You must maintain reasonable procedures to assure maximum possible accuracy. Failing to access current LexisNexis data violates this requirement.

* * 15 U.S.C. 1681k ( a ) ( 1 ) * * - * * Compliance Procedures : * * You must have reasonable procedures to prevent the reappearance of deleted information that was found to be inaccurate. 

# # # XXXX. FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) IMPLICATIONS * * 15 U.S.C. 1692g * * - If this information is being used to collect or validate a debt, you must provide verification of the debts validity. 

# # # XXXX. TRUTH IN LENDING ACT ( TILA ) CONSIDERATIONS * * 15 U.S.C. 1601 et seq. * * - Accurate reporting is essential for fair lending decisions.

# # # 4. EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) * * 15 U.S.C. 1691 * * - Inaccurate reporting may result in discriminatory lending practices. 

# # SPECIFIC DEMANDS FOR COMPLIANCE # # # IMMEDIATE ACTIONS REQUIRED : 1. * * PULL A FRESH XXXX REPORT * * to verify the disputed bankruptcy information 1. * * PROVIDE WRITTEN PROOF * * that you have obtained current XXXX XXXX XXXX XXXX. * * DELETE ALL INACCURATE BANKRUPTCY INFORMATION * * from my credit file XXXX. * * PROVIDE DOCUMENTATION * * of your verification methodology and sources used # # # ONGOING COMPLIANCE REQUIREMENTS : XXXX. * * For ALL future disputes : * * Pull fresh XXXX reports as part of your reasonable reinvestigation XXXX. * * Provide proof of fresh verification * * with each dispute response XXXX. * * Implement procedures * * to prevent reappearance of deleted inaccurate information XXXX. * * Maintain documentation * * of all verification steps taken # # CONSUMER RIGHTS UNDER FCRA * * 15 U.S.C. 1681h * * - I have the right to know what information is in my file and the sources of that information. 

* * 15 U.S.C. 1681i * * - I have the right to dispute inaccurate information and receive proper reinvestigation.

* * 15 U.S.C. 1681n & 1681o * * - I may pursue actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees for willful or negligent non-compliance. 

# # NOTICE OF INTENT TO PURSUE LEGAL REMEDIES This letter serves as formal notice that your failure to comply with the above requirements may result in : - * * XXXX XXXX action * * under 15 U.S.C. 1681n ( willful non-compliance ) or 1681o ( negligent non-compliance ) - * * State court action * * for defamation and violation of state consumer protection laws- * * Complaints to federal regulators * * including the CFPB, FTC, and state attorney general - * * Claims for actual damages * * including harm to credit rating and denied credit opportunities - * * Statutory damages * * up to {$1000.00} per violation - * * Punitive damages * * for willful violations - * * Attorney fees and costs * * under 15 U.S.C. 1681n ( a ) ( 3 ) # # REQUIRED RESPONSE You must provide a written response within * * 30 days * * of receipt of this letter that includes : XXXX. * * Confirmation * * that you have pulled a fresh XXXX report XXXX. * * Written proof * * of the fresh verification ( documentation, reference numbers, dates ) XXXX. * * Deletion * * of all inaccurate bankruptcy information from my file XXXX. * * Updated credit report * * showing the corrections XXXX. * * Notification letters * * to all entities that received my report in the past 6 months ( employment ) or 2 years ( credit ) # # RECORD PRESERVATION NOTICE You are hereby notified to preserve all documents, electronic records, communications, and data related to : - My credit file and all disputes- Your verification procedures and policies- All communications with XXXX regarding my file- All internal communications regarding this dispute # # CONSUMER CERTIFICATION I certify under penalty of perjury that the information in this letter is true and accurate to the best of my knowledge. The disputed information is inaccurate and must be corrected immediately. 

# # CONCLUSION Your failure to properly verify information through your own stated verification source ( XXXX ) constitutes a clear violation of federal consumer protection laws. I demand immediate compliance with all applicable statutes and full correction of my credit file. 

I expect your prompt attention to this matter and look forward to your written response within 30 days. 

-- -- - * * Sincerely, * * 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