Consumer complaint received 2025-07-02 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:
# DISPUTE LETTER - FALSE BANKRUPTCY REPORTING * * TO : * * TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX * * AND TO : * * Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX * * DATE : * * XX/XX/year> * * RE : * * FORMAL DISPUTE - FALSE CHAPTER XXXX BANKRUPTCY REPORTING * * CONSUMER : * * XXXX XXXX XXXX * * ADDRESS : * * XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, CA. XXXX -- -- - # # NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION * * TO TRANSUNION : * * This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., that you are reporting FALSE and INACCURATE information on my credit report. Specifically, you are reporting a Chapter XXXX bankruptcy that * * DOES NOT EXIST * *. 

# # # FCRA VIOLATIONS Your continued reporting of this false bankruptcy constitutes multiple violations of the FCRA : * * XXXX. VIOLATION OF XXXX U.S.C. XXXX ( b ) - MAXIMUM POSSIBLE ACCURACY * * You have failed to follow reasonable procedures to assure maximum possible accuracy of information in my consumer report. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY * * You have failed to conduct a reasonable investigation despite previous disputes regarding this false information. Your representatives have dismissed official XXXX documentation by claiming document quality issues, which constitutes bad faith investigation practices. 

* * XXXX. VIOLATION OF XXXX U.S.C. XXXX ( b ) - FURNISHER RESPONSIBILITIES * * You have failed to conduct an adequate investigation when notified of inaccurate information. 

# # # DOCUMENTED PROOF OF FALSE REPORTING * * ATTACHED EVIDENCE : * * - XXXX XXXX XXXX Reinvestigation Results ( Case Number : XXXX, dated XX/XX/year> ) - This official XXXX document explicitly states : Consumer disputes the validity of the record and confirms data being reported as unverifiable. The data in question has been removed and our files have been updated. 

* * PREVIOUS DOCUMENTATION ATTEMPTS : * * I have previously submitted multiple XXXX letters confirming I have NO public records and NO bankruptcy on file. Your representatives have repeatedly dismissed these official documents by claiming they were blurry or illegible. This is an unacceptable delay tactic that violates your duty to conduct reasonable investigations under the FCRA. 

* * CLEAR, CURRENT DOCUMENTATION : * * I am now providing you with a crystal-clear, high-quality copy of the most recent XXXX reinvestigation results. You can no longer claim document quality issues as an excuse for failing to remove this false information. 

* * KEY FACTS : * * XXXX. XXXX, which you have confirmed is your source for bankruptcy verification, has * * REMOVED * * this false information from their records XXXX. XXXX has confirmed the bankruptcy data was * * UNVERIFIABLE * * XXXX. I have provided MULTIPLE XXXX confirmations over time showing NO bankruptcy exists XXXX. Your representatives have used document quality as a stalling tactic despite receiving official XXXX correspondence XXXX. No other credit reporting agency ( XXXX  or XXXX  ) reports this alleged bankruptcy XXXX. You are the ONLY bureau continuing to report this false information despite overwhelming evidence # # # LEGAL REQUIREMENTS UNDER FCRA Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), upon receipt of this dispute, you are required to : - Conduct a reasonable investigation - Review all relevant information provided by the consumer- Complete your investigation within 30 days Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if you determine the information is inaccurate or can not be verified, you must : - Promptly delete the information - Notify the furnisher of the information # # # DEMAND FOR IMMEDIATE ACTION * * I HEREBY DEMAND that you : * * XXXX. * * PERMANENTLY DELETE * * all references to any Chapter XXXX bankruptcy from my credit report immediately XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of the complete removal within 15 days XXXX. * * SEND UPDATED CREDIT REPORTS * * to all parties who received reports containing this false information within the past 6 months XXXX. * * IMPLEMENT PROCEDURES * * to prevent this false information from being re-inserted XXXX. * * PROVIDE DOCUMENTATION * * of your investigation process and sources used # # # NOTICE OF PATTERN OF NON-COMPLIANCE Your repeated dismissal of official XXXX documentation through claims of document illegibility demonstrates a pattern of : - * * BAD FAITH INVESTIGATION PRACTICES * * under FCRA XXXX - * * WILLFUL NON-COMPLIANCE * * with statutory requirements- * * UNREASONABLE DELAY TACTICS * * that continue to damage my credit profile This pattern of behavior suggests willful violations of the FCRA, which may subject you to enhanced penalties and punitive damages. 

# # # NOTICE OF INTENT TO PURSUE LEGAL REMEDIES Please be advised that your continued reporting of this demonstrably false information XXXX subject you to : - Actual damages under XXXX U.S.C. XXXX - Statutory damages up to {$1000.00} under XXXX U.S.C. XXXX - Punitive damages for willful non-compliance- XXXX fees and costs under XXXX U.S.C. XXXX ( a ) ( XXXX ) # # # RESPONSE REQUIRED I expect your complete compliance with this demand within * * XXXX  days * * of receipt. Failure to permanently remove this false information will result in formal complaints to regulatory agencies and potential legal action. 

* * DOCUMENTATION REQUESTS : * * Please provide : XXXX. Complete investigation file regarding this dispute XXXX. All communications with data furnishers XXXX. Procedures used to verify bankruptcy information XXXX. Written confirmation of permanent deletion -- -- - * * TO CONSUMER FINANCIAL PROTECTION BUREAU : * * I am filing this complaint against TransUnion for their continued violation of the FCRA by reporting false bankruptcy information despite clear evidence of its inaccuracy. TransUnion has failed to properly investigate this dispute and continues to damage my credit profile with false information. 

* * REQUESTED CFPB ACTION : * * - Investigate TransUnions FCRA compliance procedures- Ensure immediate removal of false bankruptcy reporting - Monitor TransUnions response to this dispute - Take enforcement action if necessary 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