Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I tried to apply for an apartment in XXXX, TX using a HUD Section 8 voucher. I was denied the apartment due to a Tenant Tracker 3rd party credit reporting stating that I owed {$6700.00} to XXXX XXXXXXXX XXXX. With such a high balance, no one would lease an apartment to me. I soon after saw an advertisement for Trans Union settlement where if information based on public information was listed wrong they had to pay you {$1500.00}, and up to {$2000.00}. The actually website says that they use 3rd party sources. " TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit www.TUPublicRecordSettlement.com ''. I dispute the collection record twice, and Transunion would not remove it. I had to come to this website, and your agents saw the error, and made the 3rd party  admit to having a judgement and other fees included in a collection amount. They at first removed the judgement from the balance, leaving only a collection amount. I reminded them that when the apartment complex accepted the judgment from the court, they could not sue me for other balances. They finally removed the collection completely. Transunion did not try to really check into the validity of this collection that also contained a public debt. They caused me adverse harm, as I have paid apartment fees and application fees only to have been turned down by the apartments, thus having no place to live. The amount was erronously so high that no apartment complex would be willing to rent to me, thus they were lying to prohibit me a place to live. Transunion did nothing until I started a prior complaint with CFPB. I feel that I should be qualified to get the disputed funds for Trans Union because they did nothing to ensure that my credit report was correct, and sided with the 3rd party two times, without really investigating my issue.

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