Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion I have disputed or attempted to dispute vital items with transunion several times in the last year. As of the last 3 -6 months I feel as though transunion has taken a harassing position instead of correcting errors that they were made aware of. 

In XX/XX/XXXX I was made aware of a computer glitch from a. Dealership that pulled my credit multiple times with out authorization to multiple auto financing banks. I contacted the bureau immediately and was advised to send a letter of deletion from the dealership. 
I received that letter from the dealership outlining exactly the situation, and submitted it to Transunion. 
I called and followed up only to be told the information was thrown away because the documentation did not have my credit file number and my social security number attached. 
I re sent the information, to the address advised. 
I again followed up, and was told it again was disposed of and to now send to another address. 
I re sent the intonation again along with disputed XX/XX/XXXX. 
Upon follow up I was told this time it had never been received. 
I re mailed same informations 4 additional times in the month of XXXX, to be informed of the same informations. 
In XX/XX/XXXX, I followed up again with transunion. I was advised to email the informations to a TUTCS email at transunion as well as mail the information. AGAIN directly. 
I sent these emails 3 different times through our XXXX, as well as mailed them. 
Still to be told the same information. 
I also engaged in paying a credit repair specialist to assist me because I was getting so much resistance from transunion in correcting my credit file. 
When calling back to check on all stays I was informed again that they were claiming to STILL NOT RECEIVING documents and to send again. 
Informations now were being sent by myself and other entities, in XXXX as well, And in XXXX I was told the same thing and advised again to send again. During this time, an account that was removed over a year ago, ( XXXX wireless anD ITS COLLECTIONS COMPANY ) were re added, as well as a flagship account that had been removed as well. 
This action dropped my score and I disputed. 
Also during XX/XX/XXXX, my score significantly dropped for no apparent reason. I was beginning to feel that because of my efforts to correct in accurate information, transunion was taking an adverse stance with my credit file, and punishing me by dropping my score further. 
When I called to inquire about the depletion, I was told by the representative that she saw no reason for the change or depletion, but yes my score depleted and all I could do was dispute the accounts again, and to again send in the previous documentation. 
Again I did this, with no resolutions. 
I noticed a few weeks later ( after dealing with being screamed at, disrespected and hung up on multiple times and told sew us then, I attempted to check my reports again to see if any information had been received and information corrected.

Instead what I found is that transunion had placed a credit freeze on my account with out authorization.

I called in again and was told they didnt know why a representative did this but they were going g to remove it, this call was escalated 3 tiers and finally supposedly the freeze was removed. 
I again was told to send in all my documentation AGAIN, including for the bankruptcy I disputed in XXXX, In regard to the bankruptcy ; Transunion has provided me with multiple false informations regarding a bankruptcy on my report. At first they told me the federal courts reported this to them. When contacting the court I found that this was false and actually illegal and was directed to the courts website where it was outlined that they can NOT disclose that information to the credit bureaus. 
Then, transunion told me that XXXX XXXX had reported this to them. Again, was false. I opted out of XXXX nexus due to a restraining order and provided transunion with the letter from doing so previously, so that clearly they were aware it would be a violation if indeed XXXX XXXX had reported this of the opt out agreement for my safety, Transunion is aware of their discrepancies, inaccuracies, and dishonesties and have still failed to correct the information on my report and seems to of taken a punishment role with inappropriate use of my credit file to punish me for being on top of my credit report and complain about them to fix the incorrect information.

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