Consumer complaint received 2017-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute to Transunion about XXXX accounts that were appearing on my credit report on XXXX/XXXX/2017. The investigation into the XXXX disputed accounts was completed on XXXX, on which I received an email informing me that the XXXX accounts were deleted from my report as a result of the investigation. However, the XXXX accounts remain on my online Transunion account. I called Transunion 's customer service support line ( XXXX ( XXXX ) XXXX ) on XXXX/XXXX/2017 to inquire about deleting the XXXX accounts from my online account. The representative, XXXX, informed me that according to his database the accounts had been deleted and that the were no longer appearing on my report. He could not assist me with making my online account reflect the investigation results. He instead offered to mail me an updated credit report and gave me a phone number for Transunion 's Online services ( which was the exact same phone number I dialed to connect with him ). Before agreeing to have this report mailed to me, I asked XXXX if I would be charged. He replied no. I then agreed to the mailing. However, without receiving an emailed receipt ( as I have in the past ), my XXXX XXXX credit card was actually charged {$10.00} on XXXX/XXXX/2017 despite XXXX 's assurance that I would n't be charged. The charge is currently still pending so I must wait 5 days before filing a dispute through XXXX XXXX. I additionally emailed Transunion about my online account incorrectly reflecting the results of their investigation. I have not yet received a solution other than a response stating that they would look into the matter. 
I am submitting this complaint in the meantime, because after doing a basic search of Transunion 's history, anyone can ascertain that Transunion does not care about its customers. Multiple lawsuits have been brought against this bureau for similar reasons that I have listed above- hiding their charges for reports and services, inadequate explanations of their procedures, and finally, subpar customer service in which zero resolutions offered. I would like this experience documented so that all the supposed revamping of their services is continuously monitored by the government. Lastly, I would like to be ensured that the XXXX accounts that I disputed have in fact, in actuality, and in real time have since been deleted from my credit report so that my credit score will no longer be negatively affected due to the incompetence of this credit bureau. This is especially important when Transunion is XXXX of the XXXX credit bureau 's that influence people 's financial and economic health and opportunity. Upon further inspection of the XXXX disputed accounts, you will find that they were opened while I was a minor and logically could not belong to me. 

Thank you for your assistance in this matter. Please advise as to how I can prevent this from happening again. 

Sincerely, XXXX XXXX XXXX XXXX P.S. Please note that attachment " Online Personal Credit Reports & Credit Scores - TransUnion XXXX shows that there are XXXX accounts when according to the updated credit report there should be XXXX total.

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 monetary relief