Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 Dear Gentle Person, I am reporting TransUnion Credit Bureau for two items and XXXX   for one. 

TransUnion 1. My credit Report is wrong -- my score is incorrect as nothing has happened within 2 months that would have dropped my score from XXXX to XXXX -- the XXXX was the low score on my three report review when I was approved for a XXXX Veteran Home Loan. 
2. Nothing changed on my credit report although TransUnion dropped my score by 62 points -- I contacted TransUnion CEO XXXX XXXX and his staff did nothing to investigate. 
3. I have reported inaccuracies to TransUnion over the years no less than 20 times and they have not corrected. 

4. I found out from a TransUnion Staff member who worked in the section I am about to tell you about that because I had reported so often ( due to their not correcting in the time period they are allowed ) they had placed my credit score under special watch ( Targeting if you will ). 
5. I ask him what he meant -- he said as follows there are an awful lot of credit repair companies now that send the same disputes for their customers every quarter so if you dispute now to stop the overwork for TransUnion more than so many times a year -- we flag your social security number in the system and all your disputes come to this section. 
6. I said you can not do that -- it is discriminating against a certain amount of people in the credit world because their accounts are wrong and they are disputing them -- that is targeting. 
7. He said it is the only was TransUnion can fight these credit repair ahencies. 
8. I said regardless of TransUnion 's excuse its targeting a small group of consumers because their credit report is wrong and they dispute it. 
9. So what this section does per staff is not fully investigate but instead if you havve disputed the same thing in the same year they just send a duplicate letter failing to uphold the credit consumer laws of our country. 
10. This is illegal and wrong as things in credit require an investigation within 30 days for a disputed item -- for a certain segment of the credit public they are not doing it -- because I had disputed wrong credit reporting -- they did that to me. 
11. This is happening to consumers everyday at TransUnion -- I have emails with names of staff in this area 12. I request reimbursement for all the years my credit report was wrong and it affected my credit and employment XXXX XXXX XXXX XXXX 1. I told them XXXX XXXX and XXXX XXXX XXXX my score and the report they received were both wrong and requested they verify. 
2. They stated they were not in that business and stated TransUnion would be who I contacted. 
3. When I requested a copy of the report they received to verify against TransUnion they refused and stated they were not in the credit report business. 
4. If Fraud or wrongdoing is questioned and brought to their attention it is the responsibility of the Financial Institution to verify -- they failed to do so when I asked. 

Thank You XXXX XXXX XXXX

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