Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Customer 's Statement of the Problem : On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted TransUnion Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through TransUnion was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, TransUnion removed some of the items I disputed, but not all. The items TransUnion left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ). On XX/XX/XXXX, I sent another certified letter to TransUnion in the attempt to have them remove the inaccurate items being reported on my credit report. Also, I informed TransUnion that if the Bankruptcy information, credit inquires, and the XXXX ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On XX/XX/XXXX I again received an updated version of my credit report from TransUnion. TransUnion refused to remove the false reporting material on my credit report once again. On my updated credit report TransUnion removed the XXXX account # XXXX that I am disputing in the Bankruptcy from being an Adverse Account to a Satisfactory Account. Not knowing how that was accomplished when the XXXX account # XXXX was included in a Bankruptcy. TransUnion went on to add another account to my credit report that is also being reported in a Bankruptcy that account is XXXX # XXXX. TransUnion continue to report these XXXX accounts as Adverse Accounts when both accounts are included in a Bankruptcy therefore neither account should be visual on my credit report. TransUnion also refuse to remove the XXXX ( XXXX ACCOUNT # XXXX ). TransUnion is reporting this account as being open. I informed TransUnion of the closing of the account in XXXX separate dispute letters. I also sent TransUnion the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Adverse Account being stated by TransUnion XXXX I have copies of all letters sent certified to TransUnion by me as they show proof of contact and effort to have these accounts removed. Also I have a letter from XXXX, which shows my account to be closed. I am seeking TransUnion to delete these accounts visually from my credit report.

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