Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I've made several disputes with XXXX, XXXX, and TransUnion all for the same issues. There all responding back with several excuses. The first excuse is- it takes up to 60 days for completion of investigation. 2nd - Public Records Bankruptcy was verified as accurate. XXXX and XXXX- both use XXXX as furnisher of information. XXXX has provided documentation that shows bankruptcies have been removed from there credit file. XXXX recently removed all three fraudulent filed XXXX  XXXX bankruptcies cases ( XXXX, XXXX, XXXX ), however, they did not recalculate my credit score, yet my credit score dropped significantly. XXXX- removed the bankruptcies from my credit file, however, they've since re-entered the bankruptcy case # XXXX. There was no notification from XXXX regarding this change. XXXX did not recalculate my credit score, yet it dropped significantly low. XXXX have been provided with a copy of my credit report investigation showing bankruptcies were deleted by them, also, provided letters from XXXX stating no bankruptcies are not being reported by them. A letter from the US Bankruptcy Court in XXXX XXXX office - stating they do not report to credit bureaus or third parties. A new XXXX  Bankruptcy Amendment by Congress was also attached regarding corrections and verification of bankruptcies changes. I've requested a letter of validation from TransUnion and XXXX. Both requests have been ignored. I requested any documentation bearing my signature giving transUnion, XXXX, XXXX, and LCI permission to report inaccurate information on my credit file. This too has been ignored not provided. TransUnion recent reinvestigation completion on XX/XX/2023, public record for fraudulent bankruptcy determined it was NOT SPECIFIED. However, it was still being reported as before. I informed all three credit reporting bureaus, I am a victim of Identity theft. This was a heinous act against me. I have provided each credit reporting bureaus with a police report from XXXX, TN, FTC Identity theft report, copies of my driver 's license, utility bill, social security card showing that I have always lived in XXXX, TN. Other fraudulent Identity theft accounts is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. My credit score is consistently dropping for unknown reasons. My score has yet to increase with some of the deletions. After, disputing all inaccurate information with these credit reporting agencies, my credit score drop down lower. This is occurring, while Disputes are still under investigations. The credit reporting agencies, are not making comments that such items are under investigations. These are violations, that has been ongoing out of control with XXXX, XXXX, and TransUnion. My credit score is being destroyed and the credit reporting agencies are not adhering to any FCRA laws or XXXXaccountability.

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 non-monetary relief