Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of an alleged bankruptcy listed on my credit report under my Social Security number that TransUnion verified as accurate. This entry is inaccurate, defamatory, and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I contacted XXXX, XXXX and Verisk to challenge the accuracy of this bankruptcy record. I was informed that the data had been verified through XXXX. On XX/XX/XXXX, I submitted a written request to XXXX XXXX and Verisk for all documentation used to verify this alleged bankruptcy, including original documents bearing my signature and the signature of the Clerk of the Court. 

XXXX responded that they initiated a dispute and resolved the investigation as of XX/XX/XXXX. On XX/XX/XXXX, Verisk company 's response to my complaint as well from CFPB that I should referred my complaint to TransUnion as the purchaser of XXXX. Verisk stated they no longer own or control XXXX and they no longer report bankruptcy/credit info to CRAs through XXXX. Additionally, during the XXXX XXXX, XXXX removed the following record from my consumer file : BANKRUPTCY RECORD CASE NUMBER XXXX This removal confirms that XXXX or Verisk no longer reports this record and does not submit such data to any credit bureau. Also, XXXX has failed to submitted the documentation to support of their method of verification Furthermore, I possess a court document signed by the judge affirming that the alleged bankruptcy court does not share information with any third-party agency. Therefore, TransUnions claim of verification through either the courts, XXXX, XXXX or Verisk demonstrably false and constitutes either a serious error or a willful misrepresentation. 

Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A Aggravated identity theft The bankruptcy record in question does not meet the definition of a valid consumer report under 15 USC 1681a ( 4 ), as it was not obtained or verified for a permissible purpose. Your continued reporting of this inaccurate information violates the FCRA and subjects TransUnion to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. 

Finally, I was included in the recent TransUnion Class Action Lawsuit, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws.

I am demanding : - Immediate reinvestigation of the disputed bankruptcy record - Permanent removal of the record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal rights

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