Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I would like to start by saying there was no accurate option to choose the problem but I cant continue / press next without choosing one. 

I have been denied for a car lease from XXXX XXXX XXXX and this is my XXXX lease and all completed perfectly. While I have several non legitimate items on my credit report, that for two months now I myself have been trying to dispute directly with these places along with trans union, XXXX  and XXXX  they will not allow me to do this for log in situations, not responding, not letting me add to a dis put that I have pending ( see weeks ago I had no issue logging in but suddenly I cant plus since it says one is pending I cant do a thing ). While I have less than two weeks left of owning a vehicle they flat out denied my application yet I cant get the help needed to correct items. I have legitimate items on my credit report and I get that. That shouldnt matter in terms of my credit score that changes by the minute now that I signed up for XXXX XXXX and XXXX XXXX. Amazing. Up XXXX points in a day and down XXXX the next day and so on. So while I am cognizant of what tragic events are taking place in this world I use your online website that is available as you state and all calls are long wait times. I can not be successful with no tools / nothing but hassle and making my credit score worse. So I disputed 3 Things on XXXX XXXX and all were removed so it says. They were wrong and fraudulent and not right that people and places can have that affect on my life. 

Additionally XXXX XXXX XXXX who declined me is reporting non payment or late which isnt true and also reporting 2-3 times a month. They can not do that nor can this be allowed to get placed on my credit report. There are so many others things there are wrong and I have no time left now. I have tenure / loyalty with one leasing company for 19 yrs. being XXXX AND XXXX and therefore I willl not get approved anywhere else and they are the only ones I have a chance with. I have a loan modicadok in process my mortgage was sold last year and it states my lender has been my lender since XXXX and Im sorry jt was XXXX XXXX until XXXX So Im on hold not wanting to call and bother your employees but for tbe 4th day its been over 1 hour and I am sick and cant do this anymore. So I have a dispute that there was no space to even write details so you are investigating a dispute without details as I could write 2 sentences. I wrote I needed to add it so it can be done legal and accurate but I cant because of your site and yet I dont get a call or email? I dont have time to write a big long letter and make copies and get to you and wait who knows how long. I will have turned it in without a car and pay all the the Turn in fees yet as I always have I lease right away and those are waived. This is so wrong.

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