Consumer complaint received 2020-07-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In over the last 2 months, I have filed 2 complaints against Trans Union. Still I haven't received any justice. 
In fact, they have now retaliated against me per my last complaint ( please see ). 

Today, I just spent over an hour over the phone with a representative and 2 supervisors. 2 in which that were in another country. 

I called Trans-Union Credit Reporting Agency at around XXXX XXXX to follow up on my initial call over 2 months ago. For 7 years I have filed several disputes against the same company who double reported one account with 2 different amounts. I notified all of the bureaus but the most damage had occurred with Trans Union. In XXXX I was told by a customer service representative that it didn't matter rather or not the court removed the file, or that XXXX  & XXXX deleted early. She stated they were held under different standards because they are different agencies. She explained the file will stay on my report until XX/XX/2020. I asked to speak with a manager and she transferred me back to the holding queue where I was on hold for XXXX seconds. I still have the screenshot of this call time and date stamped on XX/XX/2020 at XXXX EST. SHE HAD NO INTENTIONS ON TRANSFERRING ME TO A MANAGER! I  WAS LEFT HOLDING ALL THAT TIME. I FINALLY HUNG UP. THIS IS A TERRIBLE WAY TO TREAT A CLIENT. NOT TO MENTION EXTREMELY DISRESPECTFUL, UNPROFESSIONAL AND INCONSIDERATE OF MY TIME. 

The representative who took my call today says she was in another country and says that I was given incorrect information ( basically ) by the previous representative and that the correct time per the Federal law of 7 years would be XX/XX/2020. I replied well its XX/XX/XXXX! So whose at fault for this still being negatively reported on my report with Transunion? She couldn't answer my direct questions are accurately address my concerns. She went to say I could assist in filing a dispute which takes up to 30 days. I explained to her though I appreciate her help its still not a fair outcome for me. Because it bounds me to over 30 more days of this. We filed the disputes anyhow. I then asked to speak to a manager for 3 or 4 additional times. She basically tried explaining that I needed to only speak with her and that she was able to help me. I explained that I was not getting a satisfactory resolve and demanded an manager. Finally, I was transferred to a guy ( in another country ) named XXXX. He says per there policies he was not able to provide me with the name of the agent. Even though I provided both of them all of my personal information ( in another country )! He says no one is responsible for the information not falling off of my report. He says its an automated system that does it. And if hasn't so he transferred me to his supervisor in America. A lady named XXXX answered and was very short and very nasty to say the lease! She says it is technically due to drop off on XX/XX/XXXX but Transunion usually does it a month ahead. Which is why the rep from today said XX/XX/XXXX. I asked well why did the one from XXXX say XX/XX/XXXX. I asked what type of training are they held to? 

She said, we train them. 

Basically, I feel that Trans Union is keeping this collection account on my report until XX/XX/2020 for punishment due to me filing a complaint back in 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