I've been fighting a bankruptcy chapter 7 for almost a year and got it off LexisNexis, Experian and Equifax but TransUnion is growing to be a thorn in my side.
The bankruptcy is from 2014, and I am disputing the accuracy on dates, file/case number, and address. I've sent about 3 letters requesting all the investigative material after they sent me the standard "verified" letter. Obviously they keep sending me a copy of my report with the same "verified" remark so I filed a complaint with the CFPB, attaching all letters I sent, as well as a letters from the bankruptcy court, copy of my LexisNexis report showing no bankruptcies in it, as well as the responses received from TU after each letter.
TU sent the following response to my complaint:
We have reviewed your complaint along with the information you provided regarding this issue. As a result of our research, on [DATES], an investigation was initiated into USBK Court Eastern New York #XXXXX per your requests. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. On [DATE], an investigation was initiated into the USBK Court Eastern New York XXXX account appearing on your TransUnion credit report per your request. At that time, a letter was forwarded to you advising that our records show that we previously completed an investigation into the identified item and that the data furnisher verified the information as accurate on your credit file. Please note that TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on your credit report as permitted by federal law. The Fair Credit Reporting Act allows: Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion’s policy to report discharged or dismissed Chapter 13 bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Therefore, as permitted under federal law, it will remain on your file until 2/4/2024. In addition, on [DATES], letters were forwarded to you advising of TransUnion’s Investigation Procedure per your requests. The current mailing address you provided with your complaint, is not listed in our records. If you would like for TransUnion to update your current address, you must submit copies of two (2) of the qualifying documents listed below to this address: P.O. Box 2000, Chester, PA 19016-2000. Electronic statements printed from a website cannot be accepted for proof of address. Driver’s license or State ID card (current and unexpired). Pay stub, Bank/credit union statement or cancelled check, College letters (campus housing), Government issued ID card, Medicaid/Medicare cards (if address is present), Stamped post office box receipt, Utility bill (water, gas, electric, or telephone). Or one (1) of the following: Signed letter from homeless shelter, Prison identification letter. When providing proof of your current mailing address, please ensure; Bank statements, utility bills, cancelled checks, and pay stubs are not older than 2 months. PO Box receipts and signed letters confirming residency are not older than 1 year.
Any advice about how to go about this?