Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On several attempts I have tried to dispute an error in how TransUnion is reporting two accounts with XXXX. These two loans were originally owned by XXXX XXXX. These two loans were also reported in my Bankruptcy ; and albeit student loans are not typically accounts that can be included in a bankruptcy, XXXX XXXX was notified and sent discharge paperwork upon completion of my XXXX  XXXX Bankruptcy ( see page 26/53 of my bankruptcy petition filed XX/XX/XXXX, meeting of creditors sent XX/XX/XXXX, statement by trustee claiming no creditors have filed a dismissal including XXXX XXXX, and the discharge of debtors on XX/XX/XXXX ; all attached ). 
Furthermore, the month following my discharge, my loan history shows that on XX/XX/XXXX, these loans were both coded as a " resale. '' ( Complete history attached directly from XXXXXXXX XXXX website ). On XX/XX/XXXX, XXXX was spun off from XXXX XXXX and was publicly announced. This action was officially completed on XX/XX/XXXX. Even without these student loans being discharged in my bankruptcy, they were no longer reporting by this time as the statutes of limitation allotted to report these two accounts had lapsed and the accounts never had been reported by XXXX. In XXXX of XXXX, TransUnion had allowed XXXX to start reporting these two debts under the name of XXXX with two new account numbers. On the same history documents mentioned and attached, there had been no transactions from XX/XX/XXXX until almost five years later starting XX/XX/XXXX - XX/XX/XXXX, and nothing since then from when they started reporting the debt in XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable investigation, as well as several subsequent reinvestigations regarding the erroneous reporting of these two accounts. The first contact was made via the telephone on Monday, XX/XX/XXXX. The phone rep incorrectly stated that original delinquency date was the date the account was charged off, not the date of last payment made, and that the debts are to remain on credit through XXXX. On XX/XX/XXXX, I mailed a dispute via USPS certified mail regarding these two accounts ( dispute attached ). These accounts updated on XX/XX/XXXX, with no mention of being disputed ; however, on XX/XX/XXXX, the dispute did nothing more than remove the incorrect closed date of XX/XX/XXXX that was reported ( notified of change through credit monitoring ). I was informed that an investigation was completed on XX/XX/XXXX, that the accounts were verified as accurate. Clearly, you have failed to delete the disputed information as I have requested. In lieu of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. I had attempted to file a reinvestigation via a direct dispute through XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This reinvestigation was " completed '' on XX/XX/XXXX. I again tried to re-dispute these accounts on XX/XX/XXXX, through XXXX XXXX 's direct dispute option and the dispute was closed the same day, claiming I cancelled my dispute through TransUnion directly, yet the only change that took place was placing the closed date back on one of the two accounts, now reflecting from XXXX XXXX XX/XX/XXXX ( present ), essentially re-aging this debt, AGAIN. Your excuses or assumptions are not a valid reason under the FCRA to not investigate nor reinvestigate my dispute. You have not made any reasonable determination that my dispute was frivolous or irrelevant, nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer tile the FCRA.

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