Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my credit score was XXXX. On XX/XX/XXXX, TransUnion reported I had a collections account open, and my score dropped to XXXX. The amount balance was {$340.00} and the original creditor was XXXX XXXX XXXX XXXX, and the collections account was owned by XXXX XXXX XXXX. I immediately paid off the balance and closed the account, and on XX/XX/XXXX TransUnion reported the account as closed and my credit score went up to XXXX. XXXX week later on XX/XX/XXXX, this account still showed as paid off, and XXXX also showed it was paid off. On XX/XX/XXXX, my TransUnion score dropped once again to XXXX, and the same account that I had just paid off was back on my credit report and read as open. I filed a dispute with TransUnion through XXXX XXXX, and it was investigated and returned with no change to my score or incorrect information. I filed a second dispute through XXXX XXXX, and it returned on XX/XX/XXXX with no change. On XX/XX/XXXX, worried it was a mistake on behalf of the creditor, I contacted XXXX XXXX XXXX directly at ( XXXX ) XXXX and was informed that I was correct, the account was closed and they reported it as such to both XXXX and TransUnion. I filed a THIRD dispute with TransUnion, which I am told is still processing. On XX/XX/XXXX, I called TransUnion directly at ( XXXX ) XXXX. The XXXX barely spoke XXXX and told me to wait for Transunion to review my dispute. I informed her that I had already disputed the item XXXX with no results and insisted on speaking to her supervisor. Her supervisor told me that disputing the information was not worth my time, and I should stop calling them and instead pay off the account. I informed him that XXXX was reporting my account as closed and that I had called the creditor directly and received confirmation it was closed and reported as closed. He disagreed and said that the creditor was at fault and was reporting to TransUnion an open account - the same one that TransUnion reported as closed on XX/XX/XXXX, then reopened on the XXXX. He refused to refer me higher or to help me any further. On XX/XX/XXXX, following TransUnion 's inability to be of any assistance, I called XXXX XXXX XXXX for the second time regarding the account to make sure the account was both closed and reported as such. They confirmed both cases and informed me that they were experiencing many other complaints regarding TransUnion 's poor credit reporting. Also on XX/XX/XXXX, XXXX processed and mailed me a paper receipt of my account information, which I now have a physical copy of, that shows the account is closed. TransUnion has been completely useless and unwilling to fix their mistakes, so I am now reporting them in the hopes that they will be held accountable.

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 non-monetary relief