Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Issues with TransUnion and XXXX 'XXXX XXXX on credit report XX/XX/XXXX, XXXX I submitted a dispute to TransUnion through XXXX   XXXX file # XXXX. I called TransUnion XX/XX/XXXX because the investigation was completed with no change to my credit report. I gave the file number and the rep saw the XXXX XXXX dispute. TransUnion advised to open another dispute, however ; I explained I've been having issues disputing the account on TransUnion 's website that is why I disputed it through XXXX XXXX. TransUnion has no dispute links on their website to dispute the account and I communicated that to the rep. She gave me the online dept to assist XXXX. She was very combative and stated I needed to open another dispute. She also stated XXXX XXXX XXXX refused to update the incorrect inaccurate account that's paid in full. I explained the documents I have as proof can't be uploaded because I can't create the dispute online because their website doesn't give me the links to dispute the account. XX/XX/XXXX I called the online dept at XXXX and spoke with a gentleman that stated TransUnion isn't affiliated with XXXX XXXX and he had no record of my dispute and he gave no assistance to why I can't create a dispute online. I explained on XX/XX/XXXX the rep saw my dispute with XXXX XXXX with the file # XXXX. I told him he was a liar or the previous rep was and I've been trying to file a dispute directly with TransUnion since XX/XX/XXXX, thus I had to dispute it through XXXX  XXXX. I further explained I needed to upload receipts of payment and letter from XXXX XXXX to show XXXX XXXX the account is paid in full and the amount of {$140.00} is not what was owed to XXXX. I let TransUnion know I could not upload these documents through XXXX XXXX on XX/XX/XXXX because XXXX just emailed them to me on XX/XX/XXXX which the letter from XXXX reflects the date of XX/XX/XXXX. XXXX had been trying to email me the receipts since I made payment on XX/XX/XXXX. 

I explained XX/XX/XXXX and XX/XX/XXXX to TransUnion that they left XXXX XXXX XXXX on my credit report without an effective investigation because if they had of contacted the original creditor which is XXXX managed by XXXX they would know this account was paid in full on XX/XX/XXXX in the amount of {$130.00}. I further explained in my dispute through XXXX XXXX to TransUnion that XXXX 's XXXX is consistently increasing the original amount of {$130.00} to {$140.00}. I communicated this XX/XX/XXXX to TransUnion during my call and the rep kept saying they didn't have an account with a {$130.00} balance. I explained that's the original amount and it states the original amount on my credit report. The rep was very combative.

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