TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Incorrect information on credit report Public record Hawaii

Transunion keeps saying that the Bankruptcy is mine even after providing the information to them about the Bankruptcy document that was filed. It does not contain my name and address. Now they are saying that they verify through a third party such as - - and -. Their method of verification is not correct. They initially told me that the Bankruptcy was " verified ''. I called Transunion and they told me that I have to go through the Bankruptcy Federal Court in -. I send The Federal Court a letter and they stated that THEY DO NOT VERIFY ANYTHING WITH THE CREDIT BUREAUS! In addition, they told me that " pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last - digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. '' Per FCRA 603 ( o ) Excluded communications. A communication is described in


( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Therefore, Transunion 's method of " verification '' is not a valid method if you 're using any 3rd party to verify. Even if I did file a Bankruptcy, which I did not, I did not give anyone, not the Bankruptcy Trustee, the court houses, -, or - authorization to furnish information about any of my court cases. There is not ever a court order to have any information of mine on my credit report. This information that you 're claiming as " verified '' is illegal and it 's not verification. You 're constantly breaking the law, even when I provided you with the document that DOES NOT CONTAIN MY NAME NOR MY ADDRESS. You need to govern yourself correctly.