Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Dear CFPB Representative, I am writing to request a correction of the following information that appears on my TransUnion consumer report which is inaccurate and incorrect. 

Account Number : # XXXX Source of dispute information : XXXX XXXX XXXX  XXXX XXXX XXXX Mail XXXX : XXXX XXXX, LA XXXX ( XXXX ) XXXX Date associated with item being disputed : After XX/XX/XXXX Brief Explanation of item being disputed : I filled up for XXXX XXXX in XX/XX/XXXX ; however a year later, in XX/XX/XXXX the bankruptcy XXXX was dismissed. XXXX See attached XXXX, XXXX ) After the bankruptcy was dismissed in XX/XX/XXXX, my credit report was showing the account XXXX  with the CONDITION as DEROGATORY, with the following remarks : Estimated month and year that this item will be removed : XX/XX/XXXX After 6 years later, in XX/XX/XXXX, the DERROGATORY mark was removed automatically and the score jumped to XXXX points. Please see the XXXX XXXX XXXX XXXX source TRANSUNION XXXX screenshot with XXXX, See attached XXXX. 

Plus the credit report at XX/XX/XXXX showed Estimated month and year that this item will be removed : XX/XX/XXXX. XXXX XXXX attached XXXX # XXXX ) and XXXX  Also, in XX/XX/XXXX, the date estimated to be removed is showing the same as in XX/XX/XXXX, this is Estimated month and year that this item will be removed : XX/XX/XXXX. See attached XXXX. 
In XX/XX/XXXX, a month later, suddenly the DERROGATORY mark was appeared again and the score dropped from XXXX to XXXX, Please see the XXXX XXXX XXXX XXXX source TRANSUNION XXXX screenshot with XXXX. This is XXXX points less. XXXX attached XXXX, XXXX and XXXX. 

It seems like a penalty or punishment coming from TRANSUNION for having requested a review and disputed the inaccurate and incorrect information. The Credit Report at XX/XX/XXXX showed Estimated month and year that this item will be removed : XX/XX/XXXX. XXXX attached XXXX # XXXX. This is XXXX extra years. 

Summary of item being disputed : In XX/XX/XXXX, 7 years after the bankruptcy was dismissed, I submitted to TRANSUNION my first dispute ( Ref : XXXX ) asking TRANSUNION to remove at once the Derogatory mark, however, nothing have been done by Transunion. 

At this first dispute, the remark was changed for the worst, from the XX/XX/XXXX highlight above to the following : Estimated month and year that this item will be removed : XX/XX/XXXX, which is inaccurate and incorrect. 

Since then, I have submitted disputes for XXXX ( XXXX ) extra times ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to TRANSUNION, asking to remove the 'DEROGATORY ' mark from this account, and nothing have been done at all. 

TRANSUNION have been ignoring my disputes by sending me letters saying we have changed the REMARKS, however, these remarks with <DISMISSED> instead of help, have been hurting my XXXX XXXX substantially. 

It has already passed 7 years since the bankruptcy was filled and dismissed, this DERROGATORY mark and the <DISMISSED> remarks are being considered negative in my score. I have not had any serious delinquency or late payments in the last 7 years.

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