Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Subject : Urgent Dispute XXXX  Failure to Verify Bankruptcy Record & Demand for Immediate Deletion Dear TransUnion Dispute Department, I am formally disputing the inaccurate and unverified reporting of a XXXX  XXXX bankruptcy on my TransUnion credit report as noncompliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 
Disputed Bankruptcy XXXX XXXX : Bankruptcy XXXX XXXX. : XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX Data Furnished By : XXXX XXXX XXXX XXXX XXXX XXXX Timeline of My Dispute & XXXX  Failure to Verify XXXX. XX/XX/XXXX : I formally disputed the bankruptcy record with XXXX and the CFPB ( Complaint # XXXX ). 
XXXX. XX/XX/XXXX : XXXX submitted an interim response stating they were " investigating and researching '' the matter. 
XXXX. XX/XX/XXXX : XXXX closed my complaint with a generic response stating they verified the bankruptcy using a bankruptcy court petition, but they did not provide direct verification from the U.S. Bankruptcy Court or demonstrate compliance with Metro 2 standards. 
XXXX. XX/XX/XXXX : I submitted a rebuttal to CFPB, highlighting XXXX failure to directly verify the bankruptcy and their noncompliance with FCRA 1681s-2 ( b ). 


XXXX CFPB Response Proves Their Failure to Verify I previously disputed this bankruptcy record with XXXX, and in their CFPB complaint response ( Case # XXXX ), dated XX/XX/XXXX, they admitted : XXXX. They do not obtain bankruptcy records directly from the U.S. Bankruptcy Court but instead rely on publicly available sources without verifying accuracy.

2. They do not have the ability to amend, delete, or change the bankruptcy record, proving they lack control or direct verification rights over the data they furnish.

3. They improperly shifted responsibility to the U.S. Bankruptcy Court and TransUnion, rather than complying with their obligations under FCRA 1681s-2 ( b ). 
Since XXXX  reported data does not meet FCRAs " maximum possible accuracy '' standard, it must be removed. 
Why TransUnion Must Delete This Bankruptcy Record 1. XXXX Reporting Fails to XXXX XXXX XXXX Standards, XXXX has not provided proper validation of the bankruptcy per Metro 2 guidelines.Any deviation from Metro 2 compliance violates FCRA 1681e ( b ), which requires accuracy in consumer reports. 
XXXX. TransUnion Can not Rely on a Noncompliant Furnisher, Since XXXX can not verify or amend this record, TransUnion must conduct its own reinvestigation under FCRA 1681i ( a ). If XXXX  data is not independently verified, TransUnion is legally required to delete it.

3. The U.S. Bankruptcy Court Does Not Report Data to Credit Bureaus, Since the bankruptcy court does not furnish consumer credit data, TransUnions reporting relies on third-party sources with no direct verification. This raises significant data integrity concerns, requiring TransUnion to immediately remove the disputed record. 

Supporting Documents Attached To support my dispute and prove XXXX failure to verify, I am including the following : XXXX CFPB Complaint Response ( XX/XX/XXXX ) Case # XXXX, Proves XXXX does not obtain records directly from the U.S. Bankruptcy Court and XXXX authority to verify. Copy of My CFPB Complaint Against XXXX ( XX/XX/XXXX ) Case # XXXX, Demonstrates that XXXX failed to properly investigate my dispute and continues to furnish inaccurate data. 
Bankruptcy Case Information from the U.S. Bankruptcy Court XXXX XXXX XXXX Florida, Confirms discrepancies between PACER records and XXXX reported information. 
Dispute Letter Sent to XXXX ( XX/XX/XXXX ) Demonstrates that I provided XXXX with a formal dispute, yet they failed to provide direct verification. 
USPS Certified Mail Receipts & Tracking Confirmation for XXXX & CFPB Disputes, Proof that XXXX and CFPB received my dispute and that the investigation process was not properly followed.

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