Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a bankruptcy petition on XX/XX/2020. Several creditors closed my account per policy even though they were not listed in my bankruptcy petition some of the accounts updated as close/payed as agreed, other accounts that were listed under bankruptcy by mistake, when they were not listed in the petition agreed to update or remove their accounts from the credit file because the accounts were at a XXXX balance when they received the notice. 

I have filed multiple disputes with XXXXXXXX XXXX XXXX XXXX  and TransUnion. XXXX stated that they had to close my credit card account after receiving notice and this was per their policy. XXXX continues to report my account inaccurately as they claim my account was XXXX through a chapter XXXX bankruptcy, the company is also reporting the closed account as being continuously delinquent every single month which only updates itself the following month so it stays delinquent for 30 days until the next month in which it erases itself from the previous month before and update as delinquent again in the current month even though XXXX reports the account as closed. 
XXXX is refusing to remove the bankruptcy tag and has failed to show any proof or documentation other than the initial notice they received as public information from the US Bankruptcy Courts just as the other creditors received as a courtesy. XXXXXXXX XXXX XXXX XXXXXXXX was not listed on the creditors matrix as an account to be XXXX in my petition. When I asked XXXX to remove this inaccurate information, they stated they could not remove the bankrutcy tag in their system and only could provide me a copy of a XXXX balance letter, stating the at the time they received notice of petition filed on XX/XX/2020 the account was at a XXXX balance. 

TransUnion claims the letter only supports the account was at a XXXX balance but does not state they request the account to be removed therefore, TransUnion refuses to remove the account or remove the negative reported inaccurate information. Whenever I file a dispute with TransUnion and a investigation is conducted the investigator states the account representative always reports what is in their system that the account was discharged in chapter XXXX bankruptcy, which they ( XXXX XXXX admitted they can not remove this tag from the system, therefore information reported from this creditor will continue to report inaccurate information unless they ( XXXX XXXX agree to delete this credit card account from TransUnion. 

I submitted this XXXX balance letter provided by XXXX to the other two credit reporting agencies XXXX and XXXX, and it was sufficient enough to remove this account from the credit files I listed above, but TransUnion says this XXXX balance letter it is not sufficient and this is why they have not removed the account. They claim this letter simply updates the account as XXXX but does showcase the creditor is asking their file to be deleted. This is why I am also making a complaint about TransUnion as well.

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 explanation