Consumer complaint received 2018-02-21
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: Their investigation did not fix an error on your report

Complaint:
This dispute is in regards to an incorrectly reported collections account on my credit report by the Department of Veterans Affairs starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the Depart of Veterans Affairs to remove the items from my credit report but both the reporting agency and the VA failed to remove it. I was pulling GI Bill benefits from the VA to go to school and then graduated in XX/XX/XXXX with no correspondence from the VA in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling VA benefits once I graduated. My contact information with the school had been updated immediately and since the VA was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the VA would remove it from my credit report. The VA nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the VA remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the VA for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the VA and money being taken away from my pay checks. I believe the VA did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The VA is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of XXXX  remove this from my credit report. Thank you very much, for the third time.

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