Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/2018, TransUnion reported this absolutely false derogatory remark on my credit report : " Chapter XXXX ; wage earner payment plan '' and claimed the payment status was " on payment plan '' and that the account was closed. 
No, it is NOT CLOSED, it is not on a payment plan, and I NEVER APPLIED for Chapter XXXX bankruptcy! They also changed the type of acct from installment sales acct to charge acct, changed payment history for 3 years, 5 months to " no payment history '' of the monthly payments, changed its good standing to 0 acct in good standing. All of this false information DROPPED my credit score by 91 POINTS! I am currently in my 3rd dispute with them because they WON'T CORRECT ANY OF IT! 
XXXX and XXXX do not list any information about Chapter XXXX, but they now report my open monthly acct as closed, with no history to show payments, length of acct, etc. Before XX/XX/XXXX, my credit scores were XXXX XXXX and TransUnion XXXX and XX/XX/XXXX shows XXXX XXXX and TransUnion XXXX. 
I have strived very diligently to improve my credit score for the past 7 years by not applying for credit of any sort, not opening a credit card, and by making monthly payments before the due dates and for more than the expected or minimum amounts. I have been having a good run in improving the credit rating every month to achieve the good credit rating status levels and when the balance in my account is almost paid off, I have to add a purchase to keep it open. I only have 1 acct with monthly payments that reports acct progress to the credit bureaus, which is what they claim they would do, but they have no clue why or how TransUnion added the false Chapter XXXX bankruptcy acct   information on my account. I called them when my customary monthly online payment wouldn't go through and was blocked every time I tried. The rep checked my acct to find out what was preventing their system from accepting my payments and was astonished to see the false Chapter XXXX addition in my acct and said it was certainly an error that should've been added to someone else 's acct and she promptly removed it which allowed me to complete my online payment. I've emailed the acct holder several times to get this insulting assault taken off my credit report but nothing has been done. 
I disputed and demanded that the account holder, XXXX, and TransUnion remove all the false claims from my credit report, repair all the damaging derogatory outcomes resulting from the intentionally negative effort to harm my credit score, and to report the correct scoring from the day before my acct was " hacked '' to what it currently would be if it had not been unjustly tampered with at all. I'm awaiting TransUnion 's 3rd response to my request for them to fix their erroneous remarks, and every negative occurrence resulting from it all. 
They also negatively impacted my insurance rating that auto insurers use to determine how much to charge for premiums. I haven't been able to purchase the vehicle that I desperately need bec TransUnion 's credit score will put me in a riskier tier, costing more than I would normally pay had they not trespassed and inserted phony remarks on to my account. Why should I be monetarily punished for THEIR FALSE, BASELESS ASSERTIONS? 
I would like to add that a class action lawsuit is in the process of development against TransUnion for placing similarly false information in the credit reports of thousands of unsuspecting and bewildered consumers. 
Sincerely, 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