Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 started to work on getting my credit score situated in order to buy a home.I 'm filing this Complaint in regards to a matter with Transunion which has now caused me a financial hardship and possibly losing out on a purchase of a home. I started to use XXXX XXXX  as my go to site to check my score. Little by little i started to work on paying off any noted collection matters as well as attempting to remove any remarks regarding late payments due to my prior divorce. I filed a dispute regarding late payments back on XX/XX/XXXX due to my divorce. Dispute result determine unable to remove late remarks due to the information was correct. This was fine. I filed another dispute on or around XX/XX/XXXX regarding a collection matter XXXX XXXX  XXXX and i settled the collection and wanted the remark off in order for my credit score to increase. I disputed this with Transunion and XXXX  - this  matter was handled properly. 
On XX/XX/XXXX i noticed on my XXXX XXXX decreased by 17 points due to an Increase on XXXX  XXXX XXXX  XXXX XXXX. I filed a dispute with both XXXX and Transunion on or about XX/XX/XXXX as I was sure I made a recent payment and my balance wasnt that high. XXXX  responded to my dispute and informed me at time when I make a payment and when matters post to my credit report the timing is a bit off however it would update upon the next reporting time. Transunion however, in order for them to rectify the dispute they went ahead and REMOVED XXXX XXXX XXXX  XXXX XXXX entirely of my credit report with Transunion which in turn dropped my score again by another 19 points on XX/XX/XXXX. I called the credit card company to verify if my account was closed reason Transunion removed it - I was informed that my card is active. I was so distraught. The amount of time it has taken me to gain a point Transunion was able to delete all the work that I had done over the past 8-10 months as that was my only credit card that I was using to reflect activity on my account and making payments on time. The company who should be helping consumers with their credit scores is now the same company who has caused me financial hardship and pain and suffering. Now with this being gone theres barely any activity only payments being made on a motorcycle and auto loan. The other credit card that is reflected is a joint card which the joint owner is only making payments on every month possibly the minimum payment only no activity to show purchases and payments in lump sums in order to assist with my score. 

TransUnion seems to have two different dispute sites - so on one of the sites which is referenced in the documents Ill attach shows I initiated a dispute on XX/XX/XXXX regarding the notation on XXXX XXXX   indicating removal of XXXX XXXX XXXX  XXXX XXXX. in which I requested my dispute on XX/XX/XXXX was to remove the remark regarding the increased balance as the balance indicated in XXXX XXXX was incorrect. The Response to my dispute was that it was XXXX XXXX XXXX XXXX. At that time I thought, I was mistaken that my score decreasing had nothing to do with my credit card but with this XXXX XXXX XXXX XXXX. I quickly called XXXX XXXX XXXX  XXXX  per the information Transunion provided me with as the result to the dispute I filed on XX/XX/XXXX, which indicated it was NOT XXXX XXXX XXXX XXXX it was XXXX  XXXX XXXX  XXXX ; in which I settled with the XXXX XXXX XXXX XXXX rep in the amount of {$1500.00} out of the {$2000.00} I had left to hold me over for 3 months since Im not working at this time due to the COVID -19 matter. However, due to the fact that I was concerned with my credit score I settled and paid {$1500.00} which then caused me a financial hardship at this time with no money because I was concerned with my credit score and I knew once things started to get better I was looking to purchase a home. Upon obtaining this settlement I filed another dispute with TransUnion on XX/XX/XXXX indicating to them that I paid and settled XXXX  XXXX XXXX  XXXX  and this matter should be removed of my XXXX XXXX remarks. I was then informed this information is updated but theres additional information. But nothing further was provided. 

Upon further review I was able to determine this entire mess is caused by the negligence of Transunion. They removed my credit card entirely in error and they never corrected their mistake. They then caused me to pay out of my pocket {$1500.00} to a company that had no relevance or impact on my credit report/credit score with XXXX XXXX. Ive wasted over 2 days 4 hrs on the phone being placed on hold with no outcome. Im beyond disappointed that my credit reporting agency will cause me such mess and cause me such a financial hardship, stress and possibly losing out on purchasing my first home as my score went down drastically and yet XXXX  is updated and has responded to me timely and property. Today on XX/XX/XXXX I was on hold for over 1 1/2hrs and I spoke with a rep for about 5 minutes who then transferred me to the special handling team and I was stuck on the phone for another 2 hrs  and eventually the line cut off. You are my only hope in resolving this file. You have truly caused me a hardship and I feel defeated to the point that what's the sense in fixing my score if you are able to destroy someone to this point. 

I am requesting your assistance with resolving this situation amicably along with the fact that Im out {$1500.00} due to TransUnion negligence and improper information. 

Im attaching a couple of documents as evidence : XXXX XXXX - score along with when the points dropped for Transunion. 
The disputes I filed - both websites The {$1500.00} settlement payment I made over the phone as the account is joint my ex wife name is on the letter. I was issued the letter via email. Passcode to open is 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