Consumer complaint received 2021-04-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Consumer Financial Protection Bureau, I am writing this letter to you today, XX/XX/XXXX to file a formal complaint about one of the three CBA 's - Credit Bureau Agency, specifically Transunion.

I have signed up with all 3 credit bureaus within the last several weeks to get updated status on my credit score and FICO score, due to my husband and I search for a purchase of a new home. Since the beginning of XXXX, XXXX ... I have contacted all debt collection companies on my credit report and have paid all debt completely off 100 %, and the collection agencies agreed to mark paid in full, and then remove off my credit report effective within 7-10 business days from our agreement which was on XX/XX/XXXX. After accomplishing cleaning up my debt by doing this along with a few other minor issues on my credit report, my score went up from the XXXX 's to XXXX 's. Now I get frequent alerts as to when something changes on my credit report, or alerts about my credit score changing, so as of XX/XX/XXXX all collections from XXXX accounts totaling {$1700.00}, XXXX XXXXl-3 accounts totaling {$450.00}, and Team Recovery ( which wasn't even in my name ) -2 accounts totaling {$1100.00}. However, recently in XX/XX/XXXX and XXXX, I received multiple alerts stating that under Transunion : " the total balances on your collection accounts has increased '', reported from " XXXX ''. So I went from reducing from 13 collections on my report from Beginning of XX/XX/XXXX, to ONLY having 2 Collections currently showing as of XX/XX/XXXX, and then to find out as of the XXXX and XXXX of XXXX, those same account that were deleted had reappeared but only on the Transunion Credit Bureau side, the other 2 bureaus had not received this information. I thought someone had committed fraud on my credit report or somethings so I contacted Transunion 5 different times, twice in on 2 different days and 1 every day thereafter to get an answer as to why this was happening, how did this occur, and why something that was already deleted off my report show back up again thru my " XXXX  '' app and " XXXX  XXXX  '' app as well, but only Bureau affected by the change or update was Transunion which I found very strange? After several complaints and disputes I have submitted with Transunion, the issue is still not fixed. Also I kept getting different Representatives tell me different scenarios as to why this could have happened, mainly stating it was the collection Agencies fault and they have put those accounts back on the report, but that could not be because it would have shown on all 3 bureaus again. I as also told by one rep at Transunion that if I cancel the dispute the report would go back to normal, mind you I actually disputed something totally different collection item most recently added to my report from XXXX for {$320.00} ( which was paid in full right around the same time it was reported to the credit Bureaus ), and Transunion put a dispute in for me on XX/XX/XXXX, said it should clear by XX/XX/XXXX. I was definitely okay with that one, but it somehow triggered the release of the old collection accounts that were deleted originally back on XX/XX/XXXX, and that was a problem! And now we are at XX/XX/XXXX and all 12 collections are still showin partial paid, half paid, or paid 100 %, but is still showing up ONLY on my Transunion report! I believe there a problem with their Transunion systems ( their online reporting and 3rd party reporting ) glitch of some sort, that is causing these old accounts to pop back up on my credit report after they have already been paid in full, declared removed, and deleted with deletion letters sent to the credit bureaus. I would like to get this handled for me, but also prevent this from happening to anyone else this has been a nightmare, stressful, and has caused me mental anguish, and is very unsettling to know that these errors and issues are happening to people and as consumers we can not do anything about it, but I refused to let that stop me and I will continue my fight for my rights and all of our rights! 
Thank you in advance for your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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