Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
CFPB Follow-Up and Formal Complaint Case # : XXXX Complainant : XXXX XXXX Subject : Formal Complaint Inaccurate Bankruptcy Record Reported with False Court Address Dear Consumer Financial Protection Bureau , I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) against XXXX XXXX XXXX, TransUnion XXXX XXXX, and Equifax for the inaccurate and unverifiable reporting of a bankruptcy record. 
Background A Chapter XXXX bankruptcy has been reported under my name with the following details : Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Reference Number : XXXX Date Filed : XX/XX/year> This address is false it does not belong to the U.S. Bankruptcy Court, XXXX XXXX of Florida ( XXXX XXXX ). The official courthouse is : United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX The record is therefore unverifiable and materially inaccurate. 
Additional Inaccuracy ( XXXX XXXX ) XXXX asserts that the bankruptcy was verified through XXXX, yet XXXX.gov lists no attorney of record in this case. Despite this, my XXXX consumer file shows an attorney representation that does not exist in the official court record. 
This is fabricated data that misrepresents the underlying public record. 
FCRA and Metro 2 Violations FCRA Violations FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) failure to follow reasonable procedures to assure maximum possible accuracy ; FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) failure to delete unverifiable information ; FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) willful and/or negligent non-compliance, entitling the consumer to damages.

Metro 2 Public Record Reporting Violations Section Requirement Violation by XXXX  6.1 Public Record Information Must identify the exact court name, address, and jurisdiction from which the data originated. Report lists a fake court address ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is not a government source. 
XXXX XXXX XXXX XXXX XXXX data must match the official source record and not include added or modified fields. XXXX added a non-existent attorney of record, not present in PACER. 
6.3 Reporting Accuracy and Verification Furnishers must have a verifiable source and retain documentation of verification. Verification via a false address and incorrect attorney field shows the data is unverifiable.

6.4 Prohibited Practices Data furnishers may not alter, infer, or fabricate information beyond the official record. XXXX fabricated court details and attorney data, altering the public record. 
These actions constitute willful disregard for both FCRA accuracy obligations and Metro 2 compliance requirements.

Impact The continued reporting of this false bankruptcy has damaged my credit reputation, interfered with my ability to obtain housing and credit, and created confusion for lenders who believe this is an official court record. 
Because the court address is not a government location and the attorney information does not exist in PACER, the record can not be lawfully verified. 
Requested Relief I respectfully request that the CFPB require the named entities to : Delete Bankruptcy Case No. XXXX from all consumer reports immediately ; or Provide documented proof from PACER showing the alleged attorney of record ( which does not exist ) ; Provide written confirmation of deletion or correction within 30 days ; Notify all recipients of my consumer file within the past XXXX months of the correction per FCRA 611 ( d ) ; and Conduct a review of XXXX and credit-bureau public-record handling procedures to ensure compliance with FCRA and XXXX XXXX XXXX standards XXXX 
XXXX XXXX verification letter showing the false court address. 
Dispute letters sent to XXXX and TransUnion. 
Printout from the official XXXX Bankruptcy XXXX ( XXXX XXXX ) website showing the correct courthouse address. 
Proof of identity and current mailing address. 
Thank you for your attention to this matter. I look forward to written confirmation that corrective action has been taken to ensure full compliance with the FCRA and Metro 2 reporting requirements.

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