Transunion will not update BK status

[tooleman694]

I need some help getting transunion to update my chapter 13 BK status. I finished my BK 13 and have my discharge papers. Right after the discharge I put in online disputes to all 3 CRAs. EQ and EX updated in days but TU came back and said their info is accurate. I waited about a month to see if TU would update and it never did. So I put in a second disbute and days later they came back again and said their info is accurate.

So now I am really ticked, they are wrong and reporting bad information and refuse to fix it. Clearly they are breaking the law here.

What do I do now, send them a letter with my BK papers asking for a removal?

[egghead88]

You need to file a complaint with CFPB. It’s fairly easy. I filed one on Transunion for falsely reporting a tax lien that had been withdrawn by the IRS.
I disputed it with Transunion twice. The second time with the IRS documentation. Both time it came back verified as accurate. I filed a CFPB, they deleted it immediately, then submitted a response to my CFPB complaint that it was no action needed because it had already been deleted. LOL!

[tooleman694]

Thanks!! I just submitted a complaint, hopefully they delete the BK completely. That would be pretty awesome.

[Anonymous]

I'm confused, what exactly are you disputing?

[tooleman694]

The fact that my BK has been discharged, TU still shows as filed. It should show discharged, so if my credit is pulled it doesn't look like I am currently in a BK.

[Anonymous]

I'm currently going through the exact same thing. TU refuses to update my BK status as discharged and says they verified it. 

How do I go about filing a complaint?

[tooleman694]

I went to the CFPB website and filed a complaint. Lets see what happens.

[Anonymous]

They did this to me as well. I filed a dispute with them and faxed my discharge letter.

[Anonymous]

I received a response yesterday from TU regarding my second attempt to get them to update my report. Once again they didn't actually investigate (which takes all of one minute on the PACER website) and claimed it is 'verified as accurate'. So I filed a complaint a few minutes ago and uploaded my discharge notice to the CFPB website. So we'll see how TU responds.

How soon should I expect action?

[tooleman694]

Their site says it can take up to 60 days. Im here waiting still and I submitted it on the 24th.