Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
MY TRANSUNION CREDIT SCORE REPORT IS NOT THE SAME REPORT THAT LENDER AND BUSINESSES RECEIVED. CREDIT REPORTS ARE CENTRAL TO A CONSUMERS FINANCIAL LIFE AND PEOPLE DESERVE HONEST AND ACCURATE INFO BEING REPORTED ON SOMETHING THAT PLAYS SUCH A VITAL ROLE IN THE SURVIVAL AND EVERYDAY LIFE OF THOSE IN SOCIETY. MY TRANSUNION CREDIT WAS RECENTLY PULLED FOR REVIEW AFTER I HAD LEARNED THAT WHAT I WAS SEEING ON MY CREDIT REPORT FOR TRANSUNION DID NOT MATCH WHAT WAS REPORTED TO A LENDER. I IMMEDIATELY CALLED TRANSUNION OR INQUIRE AND FIND OUT WHY THIS WAS, I WAS TOLD THAT TRANSUNION SOMETIMES HAS DIFFERENT INFORMATION THAT IS ONLY AVAILABLE AT CERTAIN TIMES AND THAT THIS MAY BE WHY, HOWEVER, I EXPLAINED THAT THE CREDIT REPORT SUMMARIES WERE PULLED BY ME AND A LENDER ON THE SAME DAY. I THEN DECIDED TO COMPARE MY CREDIT REPORT WITH TRANSUNION AGAINST XXXX  AND XXXX AND WHAT I DISCOVERED WAS THAT MY TRANSUNION REPORT WAS REFLECTING A SCORE TO THE LENDER THAT WAS OVER 100 POINTS DIFFERENT THAN XXXX AND XXXX. I THEN DISPUTED INFORMATION THAT WAS SHOWN ON THE LENDERS REPORT FOR TRANSUNION AND EXPLAINED THAT THERE HAS BEEN MULTIPLE ATTEMPTS TO HAVE A FRAUDULENT AND ERRONEOUS COLLECTION REMOVED FROM MY REPORT BECAUSE IT DOES NOT BELONG TO ME. THE ERRONEOUS AND FRAUDULENT COLLECTION ACCOUNT WAS REMOVED BY XXXX AND XXXX AFTER A PROPER INVESTIGATION WAS TAKEN, HOWEVER, TRANSUNION APPEARS TO HAVE NOT DONE THE SAME QUALITY OF INVESTIGATING AND ONLY RELIED UPON THE INSTITUTION TO GIVEN THEM AN ANSWER ABOUT THE VALIDITY OF THE COLLECTION INSTEAD OF DOING ONE THEMSELVES WHICH IS NOT FAIR CREDIT REPORTING BECAUSE THE SAME INSTITUTION REPORTING THE ERRONEOUS INFORMATION ALSO REFUSED TO SUPPLY ME WITH ANY INFORMATION ABOUT THE VALIDITY OF THE ACCOUNT. I HAVE NEVER RECEIVED A BILL IN THE MAIL OR ANYTHING IN WRITING ABOUT THE ACCOUNT OR ITS ORIGINATION AND EVIDENCE OF WHO IT BELONGS TO. THIS TYPE OF LAZY INVESTIGATING PUTS A HARDSHIP ON CONSUMERS THAT CAN CAUSE PAIN AND SUFFERING BECAUSE OF HOW VITAL CREDIT IS TO OUR DAILY LIVES. THERE ARE SEVERAL JOBS THAT YOU CANT EVEN WORK AT UNLESS YOUR CREDIT IS GOOD. AS CONSUMERS ACCESS TO BETTERING ONES SITUATION IS MAJOR TO ONES SURVIVAL, FINANCIAL HEALTH, AND OVERALL WELL BEING. RECENTLY IT APPEARS THAT CONSUMERS ARE FALLING VICTIM TO MORE AND MORE PREDATORS AS MORE PEOPLE BECOME INCREASINGLY TECH SAVY AND THIS CAUSES A PERSONS INFORMATION TO BE HACKED, HARRASSED BY SCAMMERS, AND ULTIMATLEY LEAVING THEM MORE LIKELY THAN NOT UNSCORABLE WITH FROZEN CREDIT REPORTS. CREDIT IS A SYSTEM THAT IS SUPPOSED TO HELP CONSUMERS, AND THE BUREAUS ARE SUPPOSED TO BE PROTECTING CONSUMERSS FAIR RIGHTS. AS OF LATE IT APPEARS THE SYSTEM IS BECOMING INCREASINGLY DISFUNCTIONAL AND IS NO LONGER HELPING AMERICANS BUT HURTING THEM.

I WOULD LIKE PROPER INVESTIGATION TO TAKE PLACE AND FOR THE PEOPLE WHO ARE DOING THE INVESTIGATION TO PUT THEIR OWN PAYCHECK AND WORKLOAD TO THE SIDE OF THEIR MINDS WHEN PROPERLY INVESTIGATING PEOPLES DISPUTES. REGARDLESS OF HOW MUCH A PERSON IS GETTING PAID, OR ISNT GETTING PAID, AND REGARDLESS OF HOW MANY HOURS WE EACH WORK AT OUR JOBS JUST TO GET BY, WE HAVE A RESPONSIBILITY TO PUT FORTH THE BEST EFFORT OF DOING OUR JOBS WELL TO PROTECT THE SECURITY OF OUR POSITIONS AND MAKE OURSELVES ASSETS TO THOSE WE WORK FOR AND WITH. I PRIDE MYSELF ON THIS TYPE OF WORK ETHIC, AND SIMPLY REQUEST THAT AS GOVERNING CIVILIAN PERSONEL THAT I COULD GET THE SAME AMOUNT OF RESPECT FROM PEOPLE IN THE COMMUNITY OF CREDIT AND FINANCIAL PROTECTION.

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