Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As of XXXX I disputed the following account reporting on my credit to the XXXX major credit reporting bureaus ; Trans Union, XXXX and XXXX. The dispute was filed due to inaccurate account information reporting related to late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor ) 4 x 30 days late 2 x 60 days late 10 x 90 days late 3 x 120  days late The three bureaus showed the creditor reporting the above late payments during the months XXXX XXXX through XXXX XXXX. The dispute was resolved by the creditor and the bureaus updated the account in XXXX XXXX with the following information : Removed 30 day late payment reported - XXXX XXXX Removed 30 day late payment reported - XXXX XXXX Removed 30 day late payment reported XXXX XXXX Removed 90 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 90 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Removed 120 day late payment reported XXXX XXXX Updated 120 day late payment reported XXXX XXXX Removed past due amount of {$2400.00} Updated account balance from {$11000.00} to {$9100.00} Updated months remaining from 33 months to 34 months On XXXX/XXXX/XXXX the dispute with TransUnion was completed. Over a month after the dispute was resolved by the creditor and closed by the credit bureau TransUnion, the same late payments that had been previously removed reappeared on my credit report as of XXXX XXXX, XXXX. I contacted my creditor ( XXXX XXXX XXXX ) and the XXXX Loan Manager informed me that the information I disputed in XXXX XXXX was previously corrected, removed and updated upon my initial dispute request as stated above. On XXXX XXXX, XXXX, I spoke with a Consumer Relations agent from TransUnion, who informed me that the bureau only reports information as submitted monthly by the creditor electronically. I requested to speak with a Supervisor at TransUnion. I was transferred to an agent in the Dispute department. Even after I informed the TransUnion Dispute department agent that the creditor confirmed my account information had been previously corrected, I was told the only way to correct the account would be corrected again is to submit another dispute. I asked the Dispute agent if it were possible that a reporting error had been made by TransUnion and the Agent replied it was possible because the account disputes and the monthly account reporting is handled by two different departments ; but, the Dispute agent again informed me that it was impossible for them to investigate internally and I would have to dispute the account information again in order to have it corrected. Therefore, I requested a dispute investigation via the phone with the Dispute AgenXXXX on XXXX XXXX, XXXX. Thereafter, I asked the Dispute agent what if this continues to happen and I was informed the only way to ensure it doesnt happen again is to obtain a letter in writing from my creditor confirming the corrected/accurate account information. 

TransUnion emailed me a copy of the dispute resolution for my XXXX XXXX account back on XXXX/XXXX/XXXX. The dispute resolution was available for electronic retrieval until XXXX/XXXX/XXXX. Unfortunately I did not print out a copy of the completed dispute resolution that TransUnion made available to me, so I only have the results that a TransUnion representative verbally provided to me over the phone, as shown in detail above. On XXXX/XXXX/XXXX, I requested to get another copy of the XXXX/XXXX/XXXX dispute resolution mailed to me and the TransUnion representative, XXXX in Special Handling department, informed me that TransUnion could not provide me with another copy since the XXXX/XXXX/XXXX availability date had ended. The fact that I can not request an additional copy of my dispute resolution in writing at any time, or access it electronically at any time is, in my opinion, unfair to the consumer. Since I could not get TransUnion to provide a copy of the XXXX/XXXX/XXXX dispute resolution, I have attached a copy of the XXXX credit report dated XXXX/XXXX/XXXX, which shows the same information as corrected by the creditor, XXXX XXXX XXXX, after the dispute was resolved and the credit was updated on XXXX/XXXX/XXXX. I have also uploaded the XXXX credit report that I ran on XXXX/XXXX/XXXX, showing that the XXXX XXXX is still reporting the same correct account information since the date of the dispute resolution on XXXX/XXXX/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