Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I opened a XXXX XXXX credit card with XXXX in XX/XX/XXXX. 
I never had any reporting issues with this or any of my XXXX accounts until early XX/XX/XXXX. Thats when my XXXX XXXX account reported with a duplicate on Transunion only. 

Once I noticed the error I submitted a dispute with Transunion. However as a result, both the original report & the duplicate were removed my my credit report. That was late XXXX, the last few days in the month. 

I then called Transunion, the rep I spoke with said he could see the account and tried to add it back on. He then said it would not let him and that I had to contact my creditor. 

Thats when I sent an email to XXXX and asked them to forward it to the appropriate person. I was put in touch with XXXX XXXX, who responded to my email and said she would work on my issue. 
Over the next few months I tried to reach out on maybe XXXX or XXXX occasions for an update. 

Roughly, XXXX of XXXX when I emailed XXXX XXXX at XXXX she told me it was a technical issue that the credit reporting agency was experiencing and that the technical team from XXXX was working with them to help resolve it. It should be resolved soon was the main statement in that email. 

Months passed with no resolution to my issue on my Transunion credit report. However I hated feeling like I was repeatedly bothering everyone with this same issue. So I tried to just wait for it to get fixed. However at this point its clear that will never happen without further efforts. 

So this week Ive started working on it again. Ive spoken to several different departments at Transunion and none could help me. I was told I would need to call my creditor to fix it. 

I just today spoke with XXXX XXXX at XXXX and she basically said there was nothing more she could do. 
She said that they ( XXXX ) each month send all account info to XXXX. Then it goes to the other bureaus from there. Also that the technical issue was on the side of XXXX. 

She ( XXXX XXXX XXXX ) then said she could do nothing more but that I should try calling XXXX. Im pretty much sure that will also be a waste of my time. I will contact them today but expect my efforts there to fail as well. As XXXX will then tell me that I need to call Transunion, or possibly my creditor. 

So please get started working on my complaint. As stated above my XXXX XXXX credit card with CyprusCU does accurately report on my XXXX credit report as well as on my XXXX credit report. Each and every month it shows and updates except on Transunion. 

This hurts my credit score with Transunion and has given me a lower credit score for XXXX months now. My Transunion credit score is the lowest of all XXXX. 
That is because my credit usage of available credit is lower when reported accurately. 
I have a 7 % usage with XXXX and XXXX. 
I have a 17 % usage with Transunion because they arent showing that available credit line of {$25000.00}. 

Credit scores drop if usage of available credit goes above 10 %. Then itll drop a lot more if 30 % or more is used. 

Since XX/XX/XXXX, I have brought my credit a long way. I was well into the Poor Credit range then. Now I am in the Very Good Credit rating and knocking on the door of having Excellent Credit Resolving this issue will get me that much closer to my goal. 


Thank you for your time and consideration!!

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