Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In the later part of XXXX 2015, I telephoned TransUnion Credit Bureau Agency, located in XXXX, PA. XXXX, who has violated my Fair Credit Rights. More importantly, TransUnion Credit Bureau Agency, is not willing to resolve their wrongdoing or for misleading, filing a falsified dispute to XXXX XXXX XXXX XXXX The initial purpose of my telephone call to TransUnion Credit Bureau Agency, in the XXXX place, was to discuss XXXX wrongful inquiries regarding XXXX XXXX bank, who wrongfully pulled XXXX credit reports on me unknowingly. While I was on the telephone with the TransUnion Credit Bureau Agency Agent in XXXX 2015, I simply asked a question regarding my FAIR CREDIT ACT RIGHTS. I specifically, asked the agent from TransUnion Credit Agency to not dispute my LONG STANDING GOOD CREDIT TRADE-LINE I HAD WITH XXXX XXXX BANK, XXXX XXXX XXXX XXXX. I repeat, I simply asked the agent how long does a trade-line stay on your credit file if it is in good-standing without any negativity. The agent replied 10 years. Instead of the TransUnion Credit Bureau Agency following the FAIR CREDIT ACT, she put in a frivolous falsified dispute and caused by good standing trade-line with XXXX XXXX XXXX XXXX automobile loan history to be deleted from all XXXX major credit bureaus. This is potentially dangerous and cost my credit score to be lowered causing me to have to pay a higher interest rate for a car loan or a possible mortgage loan. I have telephoned TransUnion Credit Agency and spoke with many agents, agents from XXXX as well. I am now being hung up on, on numerous occasions. Just today I placed a phone call into TransUnion Credit Bureau an XXXX agent from the special handling department by the name of XXXX stated he could not help me because of the complexity regarding the frivolous, misleading dispute sent in to XXXX Bank XXXX XXXX XXXX He then transferred me to a special handling agent in the United States. The phone call was then dropped. Again, I was hung up on. This has been a consist pattern of TransUnion Credit Bureau Agency, since XXXX XXXX, 2015. After speaking with XXXX Credit Bureau Agency today, located in XXXX Ga. The agents name is XXXX his identification number is XXXX. He stated to me XXXX never received a dispute from me, but what age XXXX did inform me of was that TransUnion Credit Agency Bureau, data analysis department encoded into the UNIVERSAL DATA, who is the furnisher to all major credit agencies. This is how XXXX received the frivolous, misleading dispute and deleted the good standing trade-line from my credit report before the 10 year law, regarding THE FAIR CREDIT REPORTING ACT. I would appreciate having this matter investigated thoroughly for that I am a XXXX woman living off of a fixed income with a child. My credit score on XXXX XXXX, 2015 was XXXX, now it has dropped tremendously due to TransUnion Credit Bureau Agency filing a frivolous, misleading dispute that I never initiated. I requested documentation, but was not given the right to receive who entered the frivolous, misleading dispute. My credit score has been damaged. I seek a resolution as well as the good standing trade-line reinstated back onto my credit file, so that I can continue to build my credit score and move on with my life. This has been going on since XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief