Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Complaint XXXX was closed without being resolved. Transunion is trying to wipe their hands clean of a mistake they made on my credit. 

My complaint : On XX/XX/XXXX I ran my credit report and realized that TRANSUNION removed my credit card XXXX XXXX from my credit report affecting dramatically my credit score which was XXXX on XX/XX/XXXX. The only discrepancy was that credit card which removed my credit history. I immediately set out to file a dispute on their website but realized I ca n't report a missing credit card so I made notes on it under another section that allowed me to make notes. I faxed Transunion and Consumer Contact Department on XXXX with no response because I was running out of options. Calling them keeps me on hold for over an hour at which time I hang up. I did contact XXXX XXXX credit card to see if there was a problem on their end. They informed me that they did send the credit information to Transunion and they normally do n't resend and they do n't even know if Transunion will be willing to add it back on to my credit report, but would resend it to them anyway. 

Transunion 's response to my complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, our records show that the authorized user XXXX # XXXX account was removed from your TransUnion credit report as a result of the investigation you initiated on XXXX via the internet. A score is a statistical tool used by some creditors to evaluate information associated with extending credit to a particular consumer. Risk is predicted by means of a scorecard, which calculates the numeric value, or score, for each credit applicant or account holder. The score is calculated as a result of data processing activities performed by TransUnion for a creditor after the credit report is assessed, based on statistical analysis. A score is not part of your credit report, and is not calculated for all creditors. Scores are calculated only upon the request of a creditor inquiring on your credit report. TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score. You can contact the creditor directly to discuss how your score was used. As the information in your credit report changes, the score will change. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. Therefore, we are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score. We can, however, investigate the information on your credit report if you believe it is inaccurate or incomplete. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 

My response to my complaint being closed : The investigation I initiated on XX/XX/XXXX was not asking Transunion to erase XXXX Credit Card it was so transunion could update the balance which was reflected incorrectly in my credit report. Transunion deleted my credit card and with it its history. I do n't understand why Transunion is being so difficult. Put the credit card back into my credit history it was not meant to come off and I have been trying since I got the results of their investigation back. My next step will be a lawyer if Transunion does not fix it and this will include the lawyers fees.

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