Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion has an obvious erroneous deceased indicator on my credit report due to its own systems glitch and has made it unduly burdensome to remove. I have literally spent hours of my time ( including numerous phone calls and speaking with multiple people ) trying to get the credit bureau to remove the obvious erroneous deceased indicator to no avail. The last TransUnion rep with whom I spoke on the phone finally admitted that there was a TransUnion systems glitch and transferred me to another department ( where disputes are filed ) to fix the problem. However, I continued to face difficulties getting through to anyone to get assistance. TransUnion has given me the runaround. The detailed history is below : I received a XX/XX/XXXX email from my bank in the early early am indicating my credit score was XXXX on XXXX XXXX a free service provided that is supposed to mirror information in TransUnions system -I immediately logged onto my bank Mobile App to access XXXX XXXX and learned there was insufficient info to have a credit history ( nonsensical given my credit card of 18 years most recent months data was also present ) -I called my bank, was transferred to XXXX XXXX & spoke w XXXX. She then transferred me to TransUnion, and I spoke with XXXX  who relayed the following : my credit score was XXXX, there was a deceased indicator in a 2nd database stating date of death is XX/XX/XXXX dated XX/XX/XXXX ( she said this information was not on my credit report ). I explained this didnt make sense - I didnt die, she is speaking with me and this didnt make any sense given my credit report has been active creditors prior and subsequent to XXXX ( erroneous year of death in its system ) are similar etc. She insisted the deceased indicator was added by a creditor for which she was unable to provide the name and led me to believe the 2nd database was not a TransUnion database. She kept insisting that I need to send a copy of my social security card and drivers license. I explained I wasnt comfortable doing so given widespread data breaches, turbulent times etc. I Asked for a Supervisor and Was told that a supervisor may call me. In the end, I was disconnected. Phone call lasted approximately 1 hour. 
-I called TransUnion again. Had to call multiple times. I Spoke with 2 different reps- both said TransUnion didnt have a 2nd database, my credit report was active, fine and didnt indicate I was dead. My call with the first rep was disconnected after I requested a copy of my credit report. I called TransUnion and spoke with XXXX who said my credit report was being sent to me and Id receive it within 7 business days. 
-I Called XXXX  again thru my bank & spoke with XXXX to let her know what transpired. She insisted I speak XXXX TransUnion Specialty Team & transferred me to XXXX  at TransUnion who said theres a deceased indicator in my file and that I must provide TransUnion with a copy of my social security card and drivers license to correct the error. I explained once again that I wasnt comfortable providing copies of personal documentation given the times. I also insisted that they remove the obvious erroneous deceased indicator from my credit report. I told her I was having chest pain due to the stress caused by this matter. She admitted that there was no 2nd database. She said the deceased indicator is in the TransUnion database and that TransUnion can not send me a copy of my credit report. She initially said the deceased indicator was reported by a creditor but couldnt tell me the name. I also Asked for supervisor, and she said a supervisor would call me back but couldnt give me a timeframe. I told her I was planning to file a complaint and persisted in trying to get the obvious error corrected and also the alleged creditor info. She agreed to research the matter further and ultimately told me the deceased indicator was present due to a systems glitch = an internal error by TransUnion ( NOT due to creditor reporting ). She then told me to speak XXXX the Consumer Relations Department, provided the phone number ( the same number I previously called directly when I requested a copy of my credit report ) and then transferred me to that XXXX  number. I got a rep who didnt understand me, so I hung up and called back. I Continued to experience extreme difficulty getting through to a live person. I must have spent another 1.5 hours easily and was unable to get assistance. Between, the calls, research, writing etc, This type of inexcusable error is extremely alarming. XXXX top of that, I have spent hours of my time trying to fix a TransUnion error that should not even exist, but, at the very least, TransUnion should have promptly corrected the obvious error once alerted. 

I am requesting assistance with the prompt removal of the obvious erroneous deceased indicator in my file ( an admitted TransUnion error ), written confirmation of same and a copy of my current credit report. 

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