Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The issue is with TransUnion. 

In XX/XX/2020, I had a secured credit card at my credit union upgraded to an unsecured credit card with a higher credit limit. TransUnion listed it as a mortgage. I asked them to change the record to an unsecured credit card. They instead removed the whole record from my credit report, saying that they removed the record upon my request ( they did not fix the record and leave it there as I asked them to do ). In XX/XX/2020, I tried to get the problem fixed again, this time saying that please just put the unsecured credit card back on the report. They said that the credit report was correct as is, again saying the secured credit card was closed and the unsecured credit card was removed upon my request ( I wanted it fixed, not removed ). I also told them that their employment info for me was not up-to-date ( my mistake ). When I did the attempt in XXXX, I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away, but I purposely put it there to show " open '' account activity. In the UNFAVORABLE rating, they also claimed I had a new job -- I've been working at my current employer for 5+ years ). I made a phone call to TransUnion to try to fix it with a human. I got XXXX in the dispute resolution department. I did get her to fix the notion that I was no longer working for a former employer, but she said that the closure of the unsecured credit card was not " fresh '' enough for her to fix it on her end and that she needed my credit union to contact TransUnion to reactivate it again. Finally I tried working with my credit union in XXXX to have them confirm that my unsecured credit card is OPEN. The folks at TransUnion only affirmed again that the secured credit card was closed. Yes the secured credit card is closed ( I agree with them on this one ), but the unsecured credit card is open with a higher credit limit, and I am getting close to 6 years on the job with my current employer. 

The credit reports at XXXX  and XXXX  are correct, but the more I try to work with TransUnion, the more they muck up my credit report. Can you get TransUnion somehow to gather information from XXXX  and/or XXXX  so that all three are on the same page? I am at my wit 's end dealing with TransUnion. I think they may be a bit punitive when you point out an error on their end. If they finally do get the situation fixed for real on their end, I hope I never have to contact them ever again based on their poor customer service.

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