Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion, your abuse of power in not conducting several investigation and reinvestigation requests on the XXXX XXXX XXXX account XXXX has violated my right to fair and accurate credit. On XX/XX/XXXX, I opened an auto loan through XXXX. A little over a year after this, I surrendered the vehicle to dealership after informing XXXX. At some point midXXXX, the charged off loan was automatically removed from my XXXX and XXXX credit reports since my date of last payment was over seven years which past the credit reporting statutes of limitations. Around XX/XX/XXXX, the loan was still reporting on TransUnion. Upon contacting TransUnion, I was told that I needed to dispute the account, which I did. On XX/XX/XXXX, the first of nine completed disputes came back stating that the account was verified. This didnt appear to match up, so I called XXXX and was told there is no balance owned, the debt was written off, that theyre no longer reporting the debt and that I need to file a dispute for this account to be removed. I re-disputed the debt stating it was too old and that the creditor agreed to delete this account. In less than 30 days, the debt was allegedly re-sent to the creditor, and verified accurate. This is where I feel TransUnion has taken advantage of being able to decide on what they deem frivolous since I had tried once more, again, claiming that the debt is too old. In less than a couple of days, nothing changed. I had contacted TransUnion and requested they provide me with whatever documentation was provided to substantiate their decision as well as justify why they feel they have the right to omit my rights under the FCRA which states that I have the right to fair and accurate credit. The rep I was speaking with struggled to comprehend basic XXXX. Im unsure if TransUnion has a call center that is not in the United States. Regardless of who I was speaking with, the lack of knowledge or comprehension from the questions I was asking fit the guidelines published by the CFPB on what Im able to request and must be provided from the credit bureaus. There appears to be no knowledge whatsoever on XXXX laws or federal regulation to protect me. This leads me to believe that the employees of TransUnion arent trained around legalities or regulation, but only by providing them with basic responses that fit a certain criteria of a question. This was evident through this conversation as well as through the missing and incorrect information pertaining to this specific account that had not been corrected through any of my dispute attempts. Those employes can play games with the American peoples finances and their livelihoods. This practice is obscene and damaging and insulting to ones reputation and intelligence while being time consuming and draining. Nonetheless, I follow her scripted response of needing to submit a dispute, again. She allegedly filed my dispute, only this time, I received no response of a completed dispute or a mailed and/or updated credit report. Ive attached a history of disputes made by the date I received a response through XXXX direct dispute function. Recently, on XX/XX/XXXX, I had to re-dispute this account since XXXX discriminating business practices may end up causing me a severe financial implication. I spent the past week reviewing over 100 credit reports from TransUnion that I have in my possession. The oldest was from XX/XX/XXXX. In studying each of these reports, in detail, one by one, I encountered a horrifying trend in which on several instances TransUnion knowingly and venomously made adjustments to this account which blatantly seems to re-age this debt. The attached document contains a breakdown that coincides with the following pages. I printed the first page of each report to show the report date on the tip middle box ( dropdown online ). Since auto loans are listed first, I was able to re-size most to provide the data and changes you made or allowed. The first change that was a clear violation of the FCRA and possibly the FDCPA can be seen in the first three reports. On XX/XX/XXXX, there was a XXXX balance and the account had not been reported by XXXX since XX/XX/XXXX. It also shows the account was closed on XX/XX/XXXX. Nine days later, on XX/XX/XXXX, a colossal and malicious change took place. The closed date moved up by three years and nine months ( re-aged the closed date ) and an unwarranted balance was added ( re-aged amount owed ). This update was allegedly provided by XXXX on XX/XX/XXXX, which means TransUnion sat on it for almost a month before reporting it. Whats even more unnerving is four days after that, on XX/XX/XXXX, another change took place ; only this time, the date XXXX last didnt change. It almost seems like TransUnion representative or automated processes are designed to selfishly protect themselves. XXXX stated they dont show two updates submitted in XXXX. So how does the same account from three credit reports obtained over 13 days, updated once, allegedly by XXXX, make extremely copious changes, showing inaccurate, blatantly covered up mistakes, or incomplete fields that are required by the creditor when reporting depict the most basic definition of Fair and Accurate Credit? Even better, how is it that out of so many red flags, re-aged changes, and blank/unknown portions of this account go through ten disputes with no corrections or validations? In a matter of two and a half years, youve overlooked the closed date being colossally changed, followed by changing the balance owed to a fictitious number, followed by the reopening a closed, XXXX balance account, followed by completely removing the date the account was closed. You are reporting the current payment status as in collections/charge off, yet there is no balance? Theres no reported payment history nor any XXXX day late markers. There is a collection date listed when reported as current last month. Your careless laissez-faire approach has caused a change in my mortgage approval while trying to purchase my first home, which has been made possible by taking advantage of my VA benefits. When my credit was pulled before XXXX last year, I was issued a pre-approval through the builders preferred lender. I have an excess of XXXX that is in jeopardy since my approval went to a suspend due to recent collection/late/charge off activity on a home in which I MUST close on by next Tuesday. If I dont, I am liable to pay {$500.00} per day until I can secure financing. I am well past my mortgage contingency date, so if I decide not to proceed or attempt to find alternate financing, my XXXX is not refunded, we will be without a place to live, and Ill have to live with the guilt and continual flashbacks after letting my wife and kids down and watching their life and the excitement that drain right in front of me.

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 non-monetary relief