Consumer complaint received 2023-02-19
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: Their investigation did not fix an error on your report

Complaint:
To : XXXX XX/XX/XXXX I have not received a reply from either of you. Please tell me how I can resolve this issue? I'm very frustrated at how long I've been working to get this resolved. I've sent emails since XXXX to Transunion and called with no corrective action. I will go to my State Representative 's Office next if I don't get a response by Monday, XX/XX/XXXX. 

Thoroughly Frustrated! 
Xxxx Cell : ( xxx ) xxx-xxx Date : Thu, XXXX XXXX, XXXX at XXXXXXXX XXXX Subject : URGENT Re : XXXX : XXXX for errors on your credit report To : XXXX XXXX XXXX, XXXX I dont see where I can hit the direct dispute button for my XXXX XXXX  account which was listed as good credit. Now, it is showing in a negative manner. I believe it is because the account has been removed when it should not have been. 

Transunion made three errors with my XXXX XXXX account. They deducted credit points on two dates. Please see attached for dates and total points deducted from my credit score. Then they removed a perfectly good account from my Transunion report! I paid a lot of interest to have this account increase my credit score and Transunion did the complete opposite y screwing up my credit score. 

I have emailed them many times and called them and cant get them to fix this problem they created. I am so frustrated. Can you please help me to fix this? XXXX XXXX is currently showing an inaccurate Transunion credit score which I need resolved ASAP. 

Please call me at your earliest convenience : ( xxx ) xxx-xxxx Thank you, XXXX XX/XX/XXXX To : XXXX, XXXX Transunion, please place the account XXXX XXXX XXXX XXXXXXXX XXXX  back on my report snd correct the negative credit ratings to a positive credit rating. There has been several errors made. First someone at Transunion deducted points and made my score go down twice with this account. This happened twice, once in XXXX snd once on XXXX XXXX. 

This XXXX XXXX XXXX XXXX XXXX account was paid on time each month since it was a direct withdrawal from my bank account. It was, also, paid in full earlier than the contract date. I sent Transunion a dispute because of how my credit rating was negatively affected. Although, Instead of correcting my credit score and showing this account as a positive credit rating, the account was removed. Your company informed me that I needed to reach out to XXXX XXXX XXXX XXXX XXXX  and have them resend my account information which I did. Ive copied them here, as well. 

Please advise when my credit score is adjusted positively and XXXX XXXX XXXX XXXX XXXX is added back on as a perfect paid in full account. 

I would like this to happen immediately since Ive gone back and forth on this several times since XX/XX/XXXX. Transunion made an additional error by removing a positive credit account. See below email where I was told that the account was deleted. It doesnt make sense. 

This is the last time I will request these errors to be reversed. My next request will be to my State Representatives office and your governing office. 


Regards, XX/XX/XXXX To : XXXX, XXXX Transunion please see below for paid off account information, add back to my credit account, reverse the negative credit ratings that were noted in XXXX and XXXX then add the positive credit points. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please confirm with Transunion my account is paid in full early and was on time each and every month. 

Thank you, XXXX XX/XX/XXXX To : XXXX, XXXX URGENT : Fwd : Congratulations on Paying Off Your Lease! 

XXXX XXXX XXXX XXXX XXXX, Please update Transunion and XXXX of my account which was paid off early and closed. Ive copied Transunion on this email. They told me I needed to reach out to you in order to update my Transunion credit report properly. My XXXX XXXX XXXX XXXX account was removed by Transunion and this needs to be corrected in order for my credit rating to be accurate which is showing lower than it should right now. I paid much more for the financing in order for my credit report to reflect a higher rating. Although, this account has caused me several problems with my credit score. 

Please do the same with XXXX and confirm with me when this is done. 

Transunions report and file identification number to reference : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- INFORMATION DELETED : The disputed item ( s ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you! 


XX/XX/XXXX Please help me to correct my Transunion score. Ive emailed both, XXXX and Transunion for help to fix these errors and I have not heard back on confirmation that this has been resolved. I dont want to go forward with the next step which would be to contact a third party to get this resolved. Although, this has gone unresolved for way to long. 

XXXX XXXX which is now XXXX sent the email confirming my account for furniture bought through XXXX was paid off on XXXX XXXX, XXXX in full. Although, XXXX is an account on my Transunion report showing two deductions in credit. Each time my score was reduced by XXXX points. This was done in XXXX and XXXX. Please see attached and review my Transunion report. 

I should have had increases to my credit score for paying on time each month and paying it off in full earlier than scheduled. 

Please advise when this correction will be made to my Transunion credit report. XXXX is not showing this error, only Transunion. 

Regards, XXXX XX/XX/XXXX To : Transunion I still see the error on my Transunion report! I paid on time and paid off an account early. Although, my credit report has went down XXXX points. That should have been an increase not a decrease in credit. Also, I can not log in. Im getting an error message. 

Can someone please call me ASAP at XXXX to fix this? 

Error XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX denied What happened? 

This website is using a security service to protect itself from online attacks. 
XXXX XXXX ID : XXXX Your IP : XXXX Performance & security by XXXX Thank you, XXXX XXXX, XXXX Dear Xxx, Re : Dispute Confirmation We have received all your dispute details and are starting your investigation. We want to help you ensure your data is as accurate as possible. 

Next Steps : We will email you as soon as your results are ready. If you received a message on the website indicating that your dispute results won't be delivered online, then instead of an email confirmation we'll send your dispute results by postal mail. 
Log in to view your results. 
You can also use the above link to check the status of your dispute at any time. Remember : it can take up to 30 days to get your investigation results. 


Sincerely, TransUnion Get in the know XXXX XXXX, XXXX Congratulations Xxx! You have paid your lease in full. 

Because you've been such a great customer, you have been pre-approved for another lease with XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX to use your pre-approval. Youll need to enter the same banking information used with your previous lease to be eligible for this pre-approval offer. No credit check or initial payment since you're pre-approved. 

To access your account, just visit your customer portal and if you have questions, please visit our FAQ page, or contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for being a valued XXXX customer! 

The 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