Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX, XXXX I sent TransUnion Corp.a request to reinvestigate several items on my credit report.. 

On XXXX/XXXX/XXXX, TransUnion sent me a letter/report which did not correct the incorrect information for XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XXXX/XXXX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Reported Balance is listed as {$0.00}, which it is not. The current balance as of XXXX/XXXX/XXXX was {$130000.00} ( see attached statement ). 
Under Pay Status, it states that my account was included in Bankruptcy. I filed for Chapter XXXX bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached XXXX XXXX. The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Pay Status on this credit report. 
The Payment History ends in XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XXXX/XXXX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Last Payment Made, it states that my last payment was on XXXX/XXXX/XXXX, which is erroneous. My last payment was recorded on XXXX/XXXX/XXXX for {$1100.00} Under Remarks, it lists Chapter XXXX Bankruptcy, which, once again, should not be referenced on this report, since this loan was not included in the bankruptcy, It lists the loan as closed on XXXX/XXXX/XXXX. This loan is not closed, as can be seen from the attached statement. 

XXXX XXXX XXXX XXXX My loan is listed as closed on XXXX/XXXX/XXXX, which it is not. Please see the attached statement. 
The Balance is listed as {$0.00}. The current balance as of XXXX/XXXX/XXXX was {$21000.00} ( see attached statement ). 
Under Pay Status it states : Account Included in Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XXXX/XXXX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Pay Status on this credit report.

The Last Payment Made is listed as XXXX/XXXX/XXXX. I made a payment of {$400.00} on XXXX/XXXX/XXXX. 
Under Remarks it states : Chapter XXXX Bankruptcy. Since this loan was not included in my bankruptcy, there should be no mention of it in this section. 
Under Estimated month and year that this item will be removed, it lists XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XXXX, which is seven years after I filed for bankruptcy.

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