Consumer complaint received 2020-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Recently I submitted a dispute with Transunion about two separate items. The first item was for an account with XXXX XXXX. The account came back as verified as accurate when it should have come back as included in bankruptcy. I had also recently filed chapter XXXX bankruptcy and this was an included item. When I disputed this item with XXXX, they managed to do it correctly because the bank verified with them that it was indeed included in my bankruptcy, but for some reason or another Transunion did not. DO you want to tell me that this bank is giving out two separate verification 's to two separate credit reporting bureaus? I seriously doubt that. I think that you did not do your due diligence and properly investigate this item and it is killing my credit score. Furthermore, you guys are notorious for reporting incorrect information and refusing to have it removed when brought to your attention. The next step from here if this doesn't get resolved to show that it was included in my Bankruptcy is to take you to court on it. Please don't let it get that far, but I will if I have to. Just because the bank has reported the incorrect dates for this account does not mean that it wasn't included in my bankruptcy filing. Again, they managed to report it accurately with Equifax, but for some reason with you it wasn't and I want it fixed asap. I will attach proof of this. 

The second item is your reporting of my The XXXX  XXXX XXXX  account ending in XXXX. This account was also recently disputed, and as usual with you guys, it came back with incorrect and even worse information than you had before the dispute. This account was also disputed with the other bureaus and they managed to verify it the correct way. Once again with you, it was not and it is seriously damaging my credit score with you guys. I feel like you guys want people to have bad scores because you make more money when they do. Again if this doesn't get properly fixed, I will file a court case on you for this as well. The balance as of the close of the very last statement with this account should be at {$200.00}. I will attach the statement for your review. Somehow you managed to come back with an amount that is much higher than my credit limit with this bank of {$340.00} You can clearly see why this would damage my score. The other two bureaus have it at {$200.00}, but not you once again. This needs to be rectified asap, and I don't mean in another 30 days since you already took 30 days on both of these accounts just to come back with wrong and damaging information thus hurting my score and my credit and making it near impossible to obtain any other credit with anybody else.

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