Consumer complaint received 2021-07-03
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: Problem with personal statement of dispute

Complaint:
Good morning to the Federal department CONSUMER FINSNCIAL PROTETION BUREAU, please excuse me for any errors I do not speak English and I have to translate through XXXX XXXX. In this complaint I also included the agency ( Trans Union ) for the following reason they are the ones who have control of all movement of XXXX XXXX  and TransUnion have the application that works with XXXX XXXX  in other words they have a consortium an agreement they have all the control of my credit report of my transactions my movements my history of responsibility in everything that I ask everything that I receive and as payment to all my creditors in my lines of credit or personal loan and how is my personal credit process with them and with other companies to date they have not updated my credit report for this reason I re-file another complaint including them directly and send them photos of evidence from my wife 's phone since I can not capture through my XXXX  application because they don't allow it, and particularly these named entities did their update correctly XXXX, XXXX  these entities that I just named act me ualized all my report they are also very important in the credit judgment towards banks or cooperatives which indicates that they did a fair job at my request as a consumer of my concern and also and also notified them that no other bank that I enjoy I have been faithful, loyal and excellent, irresponsible, paying none, I lower or took away a line of credit or they reduced me a line of credit. I also send this information to you, very clear Federal agency, you can see it in the credit report. the credit agency that monitors the accounts in their entirety to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX CARDS that means that XXXX was able to monitor my accounts through them and when I asked them to please search and analyze my credit they sent me or wanted to force me to make a request what they call in the term of the bank a new inquiry with a hard impact in my credit report damaging my experience and my credit reputation much more by lowering my score and having again for 2 more years a credit application with them having a completely excellent extraordinary record as a client and I honor my nature of my responsibility you can see through my credit report in the three agencies that being my excellent credit they tell me not to get out of the way another injustice and they are totally combined with XXXX XXXX  that is the reaction that I can perceive and look at today From the analysis that I made in the follow-up of my investigation, I personally hope that you can see it as a Federal agency that for and embrace the true justice to the consumer have not updated my credit report as I requested as a reliable consumer responsible and permanent of all my credit responsibilities until XXXX XXXX  this entity that told you and spoke to you could very cordially if you had wanted to professionally investigate my credit that they have all the history they would have reacted in a fair way to my request however it was the opposite it was in a reaction of harming me of harming me in the most cruel way that I have been able to receive in my 59 years as a consumer XXXX XXXX  took a decision not convincing or pleasant or favorable to me as a consumer, In reality they did not answer in a positive or convincing way to my need in the concern of my claim about my history and credit reputation about the discrimination and personal damage that they did against me in damaging my reputation and discrediting my credit morale I will take action If it is necessary to defend my rights, my credibility and my financial status, I have worked hard to have a healthy history for myself and my family, even though I was strongly impacted by the covid 19 pandemic, I am not satisfied, I spoke with them in a friendly way. respectful and admirable, however, they did not tell me or comment, they did not tell me about a solution to my important need to solve the problem and my history is very affected by the bank XXXX XXXX  and XXXX XXXXY TRANSUNION I give you a real example I wanted to ask you to investigate how I am in my credit report with the institutions that I have credit an increase to a line of credit to another bank and they denied it and their answer was that an entity had closed me and lowered the credit limits that they could not me giving the increase that led me to understand the magnitude of the damage that they have done to me is unheard of is cruel because I never stop paying them for a month or a n penny in all the time I was with them they disgraced me they have made a vile act much clearer what XXXX XXXX and XXXX XXXX  have done with me my reputation has cost me a lot of work of a lot of perseverance to be able to maintain with everything and the pandemic that I was severely affected like many citizens of the United States and also worldwide and my credit implies what is my well-being and the future of my old age and my family to have an always healthy quality of life to be able to respond in any act of importance with my credit history since I am going to buy a home for my family in XXXX it is important that my person has a good image and credibility acceptance before any bank or financial entity that I am going to request a loan with the bank that I am going to direct to request for buy a home, this is not only about the amount or the loan or the bank attention if it is not the way in which they have harmed me and my personal and family projects this implies something very personal in matters of human and professional ethics at the national level I will continue to look for alternatives for my solution my request is that the credit lines that I had be returned and that I use wisely and responsibly as good consumer Federal agency you can study analyze my credit and you will realize that my request is real you have the power of the jurisdiction as a Federal agency with the norms awarded by law, however I did not see that XXXX XXXX  put the necessary and adequate importance to my need and my responsibility without caring about anything to be able to solve this problem in a professional and friendly manner in a human capacity please ask the federal government agency Consumir Financiala Protetion Bureau to further investigate the injustice that was done unnecessarily regardless of their policies XXXX XXXX  for me It was a cruel and vile injustice to me, they have the ways and the process to be able to carry out an investigation without having to request a hard investigation through XXXX XXXX and not remove points from my credit report again And do me much more harm than they do me They have done as well as they analyzed that I had to lower my credit line through them they can do it, every credit financial institution knows that they can do it internally. XXXX XXXX monitor all my accounts and changes there they can do it without the need for harm me more than I am without having to request my credit report again, these are the account numbers that I am claiming again ( XXXX ) ( XXXX ) this account was taken away from me they closed it without notifying me and without saying anything enjoying it in good consumption and good attitude paying in full the outstanding balance, where to this day he continues to send me announcements of XXXX membership REWAR D the special agent of the executive department of XXXX XXXX  who assisted me is Mrs. XXXX this is the number to contact her XXXX Ext. XXXX thank you I hope for your help for the freedom and justice that we live in the United States United of North America, we the citizens or any consumer, I ask the FEDERAL AGENCY CONSUMER FINANCIAL PROTETION BUREAU, now a thorough investigation with the credit reporting agencies, I also awaited your response, thank you and God bless you

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