Consumer complaint received 2025-01-09 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: TN

Complaint narrative:
I am filing this complaint against TransUnion for their failure to properly handle my dispute regarding an inaccurately reported bankruptcy and their subsequent failure to conduct timely investigations as required by the Fair Credit Reporting Act ( FCRA ). 

Key Points : 1. I have filed for XXXX XXXX  bankruptcy in XXXX, Texas bankruptcy XXXX XXXX. I have documentation proving that the XXXX bankruptcy court does not verify XXXX XXXX bankruptcies 3. TransUnion continues to report this bankruptcy on my credit report despite this fact 4. I have submitted multiple disputes to TransUnion regarding this inaccurate information 5. TransUnion has failed to respond to my investigation requests within the 30-day timeframe required by the FCRA Timeline of Events : - XX/XX/XXXX : XXXX XXXX bankruptcy discharged by XXXX bankruptcy court - XX/XX/XXXX : Initiated first dispute with TransUnion regarding inaccurate bankruptcy reporting - XX/XX/XXXX - Present : Multiple subsequent disputes filed with inadequate or no response from TransUnion - XX/XX/XXXX : Bankruptcy continues to be incorrectly reported despite nine months of disputes Violations : TransUnion has violated the FCRA in the following ways : 1. Failed to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) 2. Failed to conduct a reasonable investigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 3. Failed to review and consider all relevant information submitted by the consumer ( 15 U.S.C. 1681i ( a ) ( 4 ) ) 4. Failed to complete the investigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Requested Resolution : I request that the CFPB require TransUnion to : 1. Remove the inaccurate bankruptcy information from my credit report 2. Conduct a proper investigation as required by law 3. Provide written confirmation of the removal 4. Provide updated credit reports showing the correction 5. Implement procedures to prevent similar violations in the future Impact : This inaccurate reporting has caused me significant harm, including : - Multiple housing rental application denials, directly impacting my ability to secure stable housing - Repeated denials of credit applications, damaging my ability to rebuild my credit post-bankruptcy - Significantly higher interest rates on financial products, resulting in increased costs - Severe emotional distress and countless hours spent over nine months attempting to resolve this issue - Financial losses from multiple credit report purchases and certified mailing costs for disputes - The continued presence of this inaccurate information undermines the fresh start that bankruptcy is intended to provide I understand my rights under the FCRA and am prepared to provide any additional information needed to support this complaint. 

I declare under penalty of perjury that all information provided in this complaint is true and correct to the best of my knowledge.

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