Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
YOUR COMPLAINT XX/XX/XXXX I have requested for several years for Transunion to correct long standing errors on my personal credit profile relating to my XXXX XXXX XXXX credit card. Transunion has refused to do anything at all. I have made requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a XXXX  XXXX XXXX credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. Transunion refuses to acknowledge the account. 

I have written, I have called so many times its ridiculous. I have escalated the issue to supervisor named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had XXXX  XXXX XXXX use and XXXX verification process. So I called again. XXXX  XXXX XXXX has no idea what XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help Transunion make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both Transunion and XXXX XXXX XXXX  multiple times. At least XXXX XXXX XXXX tries to do something. Unfortunately nothing has worked XXXX  XXXX XXXX Made yet another request for transunion to update and report the account. They tried a couple of weeks ago. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that Transunion would not update they account because they say the account has been off my credit report for 7 years. So again I call Transunion and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. I called XXXX XXXX XXXX again today and they have again requested Transunion update the information to be accurate and correct. Transunion so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I ams o tired of spending my hours trying to help Transunion fix their own problem and errors. 

Here is the formal response from XXXX  XXXX XXXX! 
XXXX XXXX  XXXX Response claims Transunion is refusing to add the account and they have requested they do so multiple times as the account is current active and alwasy been in good standing only Transunion is not reporting the account! Clearly they could make this right very easily. Unfortunately it seems Transunion just lets consumers suffer! 
Recorded XXXX  XXXX XXXX responded on XX/XX/XXXX Response Type Company 's Response According to our records there are two credit card accounts ending in XXXX and XXXX, both are reporting to XXXX  and XXXX. We confirmed that the accounts are not reporting to Transunion. The account ending in XXXX is currently opened with a current balance of {$37.00}. This account is reporting as pays as agreed. During our investigation we also located a card ending in XXXX, which is reporting as closed at consumer 's request and pays as agreed. This credit card account is purged out of the bank 's system as it has been longer than our account retention period. We confirmed that we previously sent a request to Transunion to add this credit card account on XX/XX/XXXX, however, Transunion would not add the account to your personal consumer profile due to the length of time the account had been open and closed. We advised you to contact Transunion directly for assistance. We reviewed your concerns with Transunion again on XX/XX/XXXX, at which time we determined that the account ending in XXXX was reporting up to date with no prior delinquency and the account ending in XXXX was not reporting. We mailed a letter to you on XX/XX/XXXX. Please note that creditors may report to the credit reporting agencies on accounts longer than the initial seven year timeframe if the account was an account in good standing. This may report for up to ten years but this is not a requirement. As such, we are unable to manage how the credit reporting agencies utilize the information the bank reports. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. We must remain in accordance with the Fair Credit Reporting Act ( FCRA ). As such, the accounts are reporting accurately. The purpose of this act is to safeguard the confidentiality of consumer credit information. The FCRA requires that the national credit reporting agencies adopt procedures for meeting the needs of commerce in a manner which is fair and equitable to consumers. The FCRA forces the agencies to keep strict controls in provisions of the act. Banks are prohibited from furnishing consumer information to a credit reporting agency if the bank knows that it is inaccurate or consciously avoids correcting the inaccurate information. As a user of credit reports, XXXX XXXX XXXX is required to comply with the provisions of the FCRA. Federal law requires XXXX  XXXX XXXX to report a fair and accurate payment history. Therefore, I am unable to comply with your request to change the history associated with your credit card account as reported to your credit file. I would like to thank you for taking the time to express your concerns. At XXXX  XXXX XXXX, we make every effort to exceed our customers expectations on a daily basis. I regret that you have been dissatisfied. Please know that your feedback is valuable and has been retained to ensure we are providing the level of service our customers expect and deserve. 

Transunion needs to get the proper information updated and reported. I mean what rights do we have, its seems like XXXX. I have wasted so much time getting angry and frustrated with these two companies, I can not even come close to explaining how upset I am. I am sooooooooo sick of the lack of communication and lack of responsibility is absurd especially as a consumer that has used their services for many years. If I didn't respond and pay my bill what would happen??? Yeah collections for detrimental reporting. Thank in advance for addressing the situation. If I do not get a response that at the very least shows that Transunion is looking into it, I will file with XXXX, FTC, State Attorney General and Department of Justice. I will also let an attorney work on this from this point forward and they can end being responsible for covering his/her hourly wage. Thx!

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