Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As of XX/XX/XXXX XXXX  reports my XXXX  score is XXXX. XXXX  then pulled the information from Trans Union and XXXX. Trans Union report at my XXXX  score as XXXX and the number had not been updated since XX/XX/XXXX. XXXX  report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from Trans Union and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. 

XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from Trans Union and XXXX  those two score should be considerably higher too. Trans Union is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt.

I feel that Trans Union, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like Trans Union wont allow them to!
So I would like an investigation done into Trans Union & XXXX  as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. 

There should be a lot more oversight on these credit bureaus. I filed a dispute with Trans Union I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. 

Until then no matter what we did our score never budged and that is a great cause for concern. 

Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. 

The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank 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