Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/2022, I spoke with a supervisor and a rep at Transunion who advised that I would need to submit another credit reporting dispute in order to receive a proper investigation. 

I submitted a CFPB complaint against one main financial for not reporting that I am current to Transunion. On XX/XX/2022, I chose to settle an account with XXXX XXXX. I wanted to settle my account in full with their one month installment option. When I asked how that would reflect on my credit report, they advised that it would show as settled in full with a 90 day delinquency. Because I am currently in the process of buying a home, I told them that I need my account to show as settled in full ( with a payment rating of XXXX ). They advised that in order for my account to show as settled in full current instead of settled in full with a 90 day delinquency, I would need to extend my settlement option to 6 months instead of one lump sum payment. They also advised that once I have paid my first installment, submit a written dispute in order for them to update that my account is XXXX, current. This is unfair and misleading, but because I met with my lender and am trying to close on a home, my hands were tied and I felt pressured to take that option. I submitted the dispute after I made my settlement payment and I received a letter from XXXX on XX/XX/XXXX advising that my account would be updated to reflect current and the first date of delinquency would be removed. On the XXXX of XXXX, I then received notice that my Transunion score dropped because my XXXX account is 120 days delinquent with a past due balance of {$1.00}. I have filed a formal CFPB complaint with XXXX and that number is XXXX. 

Today, I contacted XXXX again, and asked what information was sent over on my XXXX XXXX file as well as my AUD to the bureaus. XXXX advised that they will send over another correction to Transunion to fix the error. I was given an AUD control number to give to the bureaus to confirm. 

When I spoke with Transunion, they advised that the AUD that was processed on XX/XX/XXXX from XXXX showed a balance of {$2500.00} and that the account is XXXX days delinquent with a past due balance of {$1.00}. The Transunion XXXX then advised that their system of record reflects what XXXX sent over. She refused to search the AUD control number to verify if they received the information. She told me my only option was to dispute over the phone, or mail a dispute with a copy of my attached letter from XXXX. I have already disputed this account weeks ago! It was supposedly resolved by XXXX, but now I am being advised that I need to dispute again for the exact same information in order for them to properly investigate. 

When I called XXXX back, they advised that on their end they are showing that Transunion is reflecting that I am 120 days past due with a past due amount of {$1.00}! When I asked what can be done to fix the issue, I was hung up on by a XXXX staff member by the name of XXXX XXXX. 

Transunion is refusing to look up the AUD control number to confirm what they have on their system of record. As a borrower who is not being given access to see the AUD, or have the AUD control number verified, how am I being given any reassurance that a proper investigation has taken place? I have my AUD control number and a letter from the creditor saying that my account should be updated to current, but I am receiving no information from Transunion or XXXX regarding the breakdown in communication on their ends. Instead, I am left with an unfair/incorrect past due amount of {$1.00} and a XXXX delinquency. This is preventing me from purchasing my first home. Transunion is advising that my only option is to now wait XXXX days for them to investigate which will hopefully bring my credit score back up. 

That means that a debt I have paid on XX/XX/2022 will not be properly updated on my credit report until XX/XX/2022. Both entities are violating my rights as a consumer to have my credit report updated correctly and are ruining my chance of home ownership for my family. 

Please keep in mind, my goal was to settle this account in full on XX/XX/2022 but I was advised by XXXX that doing so would still allow them to reflect that I am settled in full with a payment rating of a XXXX means 90 days delinquent. So my only option was to extend the settlement to a 6 month settlement and pay it off in XXXX options so that it would show settled in full with a payment rating of XXXX ( current ) AFTER I submit a written dispute. I believe this is a clear violation of XXXX as these practices are clearly unfair and deceptive. By extending the settlement option to 6 months, that also means that the amount they were willing to settle for increased by almost {$300.00}. Please investigate. 

As for Transunion, if you received XXXX AUDs, how are you the only bureau not willing to verify the information given with the AUD control number? If you know that the information appears inaccurate, its your responsibility under the FCRA to not allow erroneous data to reflect on my credit report. My hands are completely tied at this point and I would like for my account to be updated with XXXX, and Transunion immediately.