Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a Transunion credit report in the mail today asking me to verify all information and telling me I could dispute any incorrect information. I am assuming this is because of the complaint I just filed with you about one of my creditors not updating my loan after a refinance with the correct term and payment.

I found two errors on this Transunion report, actually I found many duplicated items and misspellings too, but narrowed my complaint to two items for simplicity so hopefully they can get it taken care of without messing it up further. I went to log in to file the dispute and as usual it would not allow me to and acted like my saved password was incorrect, so I reset all then it let me in, it had a statement I had to approve that said if they check with a creditor and they say and item is correct my information may stay the same. This is ILLEGAL, they are to VERIFY the information is correct with PROOF not a creditors word, that means nothing, the law is what matters the FCRA and these idiots WILL follow it or I will contact XXXX XXXX who is an attorney and sue the XXXX out of them!!! I could use some extra money and Transunion and the banks have lots of it!!! 

So that is my first complaint, this false statement they are trying to make me sign. Then next is once I said okay and went by it and started to file my complaint as usual it the screen locked up and it gave me a message saying they are having technical difficulties!!! This happens every time I try to contact them!! YOU can contact them and tell them for me there are two errors I want fixed, then after they are fixed I want them to contact both of the other credit reporting agencies, XXXX  and XXXX  and make sure they too have all correct, this too is part of the FCRA and required by law all credit reporting agencies are to update all changes made with all of the other bureaus. 

The first problem XXXX XXXX XXXX XXXX  which they have been reporting incorrectly and ruining my credit out of revenge for me reporting all to the CFPB and IL Attorney General on them for seven years now STILL is not correct, on top of this they are showing the date of removal as XX/XX/XXXX when the first date of delinquency was XX/XX/XXXX!!! The FCRA and any lawyer as well as the CFPB know the laws, that all negative information is to be removed within 7 years of the first date of delinquency. That means this account should be removed from all of my credit reports before XX/XX/XXXX, this is almost XX/XX/XXXX!! GET IT OFF OF MY REPORT!!! While you are at it take the other account of theirs off of my credit report that is perfect. I had five to ten loans in my life that were perfect with those idiots and the one time we go through a major recession and I get laid off they lie to me and have me pay interest only payments for a year and say by doing so it will keep my credit good. I WANT NOTHING TO DO WITH THEM EVER AGAIN!!! Take all information about them off my report. I am not doing any free advertising for those lowlifes!! 

Then next issue is the XXXX XXXX account!! I just refinanced this loan so I could move it to the XXXX IL office and lower my term to one year instead of two to get it paid off quicker. The old loan in XXXX  XXXX Il that I closed is not updated as XXXX balance, refinanced and closed and the new loan in XXXX Il is not showing on my credit report at all that I refinanced that loan into to!! You need to update the account on my report to XXXX balance, closed, refinanced to XXXX IL location by contacting the XXXX  XXXX location. Then contact the XXXX IL location to have them add the correct new refinanced loan information. 

Once these items are corrected I want all updated with all of the credit reporting agencies and I want corrected copies mailed to myself and the CFPB. I do not want this complaint closed until all is done to my satisfaction. I am tired of having to contact you every other month because people are too lazy or incompetent to do their jobs!!!

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