Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A report from XXXX XXXX XXXX XXXX XXXX was showing an issue with the XXXX  XXXX issue. They used TransUnion XXXX XXXX XXXX which they had marked a Traffic Infraction as a Criminal case. I disputed the report immediately to both XXXX and XXXX on the same date. They responded saying it was accurate for which I sent documentation. On XX/XX/XXXX  They then updated the report and stated it as a Criminal/Traffic case which is still not correct as it was only a Traffic Infraction and held in Traffic Court XXXX - They added Traffic after Criminal on the report, instead of deleting the word Criminal. I again disputed the report. On XX/XX/XXXX They said they would not change it because they said that is how the County where I got the Traffic Citation was reporting it that way. I knew that was not the case, because if that was the case it would have showed the same word " Criminal '' only not the new updated issue as now " Criminal/Traffic ''. I complained again and they emailed and said they would no longer receive emails from me but would have to call. I called and waited over 2 hours on Tuesday but then had to take an important call. On Wednesday the XXXX after an over one hour wait, I explain the issue and asked again for it to be updated and I knew they were not doing their job and asked also to put a complaint in about the " dispute '' process to investigate the issue otherwise they would have found that it was only a Traffic Infraction. I received no communication that my call was even reported. I then called again today XX/XX/XXXX  again they said it was the Courts fault and it was how the Courts were reporting it and that I should request it expunged. Which I'd never heard of expunging a traffic violation. I did however, call the courts, they said they do not and would not have reported it as Criminal as there is no word on any of my Traffic Infraction or court proceedings that state it was Criminal but was a Traffic Court Issue. They did give me the number to call the Florida Department of Law Enforcement to ask about expungement but he'd never heard of that either for a traffic violation. I spoke with XXXX and it is true- they only expunge Criminal charges. Can't expunge a traffic infraction as it is not criminal. They also have it recorded that I have 2 offenses for the same traffic violation - when there was only one infraction. I have submitted a 4th request to have the record updated. I am filing this complaint for their incompetence as a screening company to investigate a dispute properly. This is affecting my ability to get a rental home as most property management companies will not take the time to actually see that it really was only a traffic violation for which I was Adjudicated.

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