Consumer complaint received 2021-04-29
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:
XX/XX/XXXX Subject : Transunion erroneously deleting 28-year-old credit line in good standing causing a large 45-point difference in credit scores between credit reporting agencies. 

What is this complaint about? 

Transunion has for more than 23 years intentionally failed to include a current XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) that has been reported to them monthly as in good standing for more than 28 years. 

What is the problem? 

Transunions failure to accurately include this long-standing more than a 28-year-old account in my credit report and FICO score has caused my Transunion Report and FICO score to be erroneously scored inaccurately and much lower than it should be if factored into both my credit report and FICO score. This has caused me to suffer a great expense both financially and professionally as during the time since Transunion erroneously deleted this account on XXXX until now of not reporting it accurately in accordance with what XXXX has been directly reporting to them for the past 28 plus years. 

What happened. 

Transunion has stated that there was a credit dispute on XXXX that was not responded to, so they deleted my XXXX account for the credit report and have blocked it from being included in my credit report or factored into the calculation of my FICO scores since that time regardless of it still being reported monthly by XXXX. Although they have been contacted by both me and XXXX  XXXX XXXX, the person who is responsible for credit reporting to all three credit reporting agencies, they have steadfastly refused to correct the error even though they stated they have no information on what the dispute was about or who submitted it. 

What company is this complaint about? 

TransUnion Corporate Office & Headquarters ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX This complaint is against the Transunion Credit Reporting Agency as they are violating my rights under the Federal Fair Credit Reporting Act ( FCRA ). Transunion is violating my consumer financial rights as listed below. 

My right to know what is in my file. 

Transunion is unable or unwilling to tell me what the XXXX was about or who submitted it. This is a XXXX with only two party 's involved, XXXX and me as no third-party withdrawers and payments are made. When I asked a Transunion supervisor to tell me what the dispute was about, she stated that they do not keep records for that long then stated that I would have to subpoena them for the information. When I asked why I would have to subpoena them for records she just told me do not exist and why not just correct my credit record to reflect what has been reported to them by XXXX XXXX this XXXX she stated it was against Transunion policy. 

I have the right to ask for a credit score.

My credit score has been artificially suppressed many points lower than what is accurately being reported to Transunion would warrant. If Transunion had included this XXXX XXXX which is my oldest account, is an account that has stayed in good standing for more than twenty-eight years, and would if properly reported, show my percentage of credit being used far lower if the {$10000.00} limit with {$0.00} outstanding was being factored into my credit score, my credit score would be more in line with the other two credit reporting agencies such as XXXX and XXXX. For example, my XXXX credit report financial data is identical to my Transunion credit report *except* for this XXXX XXXX which XXXX has included in their report for more than 28 years. The difference is that by including this XXXX XXXX my XXXX  Credit Score is more than *forty-five points* higher than my Transunion Credit Score . 

My right to have consumer reporting agencies correct or delete *inaccurate, incomplete, or unverifiable information. XXXX Transunion 's policy of not including this XXXX XXXX account violates all three of this consumer financial right elements. Transunions refusal to include in my credit report that financial data being reported to them by XXXX makes my Transunion Credit Report both inaccurate and incomplete. In addition, Transunion is unable to state who made the initial dispute back in XXXX of XXXX or what the dispute was about makes it *unverified information. * I have a right for a consumer reporting agency to not report outdated negative information. 

Transunions policy of not reinstating this account is in effect using outdated negative information to negatively influence my credit report and score. By omitting my XXXX  XXXX, Transunion is using outdated erroneous negative information to impact several of the major credit score factors such as : Payment History : My XXXX XXXX account has been reported to them as in good standing with no late payments for more than 28 years. This has a HIGH IMPACT on my credit report and score. 

Percentage of Credit Use : By Transunion not reporting my XXXX XXXX with a {$10000.00} limit with a {$0.00} outstanding balance, it dramatically affects the percentage of credit being used every month. Omitting this additional {$10000.00} of available credit causes my percent of credit being used to be much higher than it actually is which negatively affects with a HIGH IMPACT on my credit score.

Credit Age : Currently, Transunion shows my Credit Age as being five to seven years which is rated as only FAIR. If the 28 plus years of my XXXX XXXX Account were being properly reported by Transunion, my average credit age would be over NINE YEARS which makes it go from FAIR to EXCEPTIONAL which has a MEDIUM IMPACT on my credit score.

In conclusion, Transunion has had ample opportunity to correct these violations of my consumer rights but refuses to do so based, not on law, but on an unfair and illegal company policy. Transunion has stated that due to their *Company Policy* the only way to reinstate the account is for XXXX to change the account number or other info and then add it to my credit report account as a new account. This would then show the account to be new on all three credit reporting agencies and would wipe out 28 years of payment history resulting in a huge negative effect on all the credit reports from all three credit reporting agencies. Mrs. XXXX from XXXX tried to assist but could not resolve the issue due to Transunion stating it was their company policy to not correct such errors. Please see the email response from Mrs. XXXX XXXX XXXX ( attached ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Toll Free : XXXX ext. XXXX XXXX Therefore, I request that Transunion immediately correct their reporting of my credit report to include this in-good-standing 28-year-old-plus XXXX XXXX account and immediately factor in the resulting financial data into my credit score. In addition, that they send a letter of a corrected score to every person or company that has accessed my Transunion Credit Report since XX/XX/XXXX. In addition, that Transunion is sanctioned, fined, and pay me restitution in the sum totaling ten percent of all of the interest I have paid on all accounts Ive had since I first complained and requested that they correct this erroneous credit reporting starting last XX/XX/XXXX until the time that they correct their continuing violation of my financial consumer rights. 

Please contact me by either phone or email address listed below. 

v/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL 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