Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Since XX/XX/2022, my credit score and financial opportunities continue to suffer significantly due to an error and poor communication between creditor, XXXX XXXX and credit reporting bureau, Transunion. I have tried tirelessly to work with both parties to help them correct their error to no avail. I have received broken promises that the error wold be cured and now I receive no updates at all and error still remains with a significantly negative impact on my report. In XX/XX/2022, Transunion listed a {$340.00} balance on my report with creditor, XXXX XXXX. The account did not have any outstanding balances and was paid off in XX/XX/2022 with on time payments for over 3 years. The credit report was to be corrected to reflect the account was closed/paid as agreed with {$0.00} balance, on time payments ( NO Lates! ) for 3+years. Instead of applying the correction showing {$0.00} balance due on closed account with starting balance of {$15000.00}, Transunion deleted the account from my report as if it never existed, causing my credit score to plummet as it was my oldest account. The account was erroneously deleted from my report on XX/XX/2022 and I have painfully paid the price ever since. I have written Transunion a couple times in XX/XX/2022 to provide all details proving the error to be corrected but they have only revised my address of residence on credit report, confirming receipt of my correspondences. Transunion provided me NO updates on the progress on the resolving the error on my report. They have later advised they do not provide updates via phone calls, emails or mail. After noting that my complaint was ignored, I filed complaint online through XXXX XXXX and also called Transunion ( and XXXX XXXX after Transunion insisted creditor must fix ). Since early XX/XX/2022, I have been taken through so much hopeless turbulence between Transunion and creditor, XXXX XXXX. While both parties have acknowledged the error that only they can fix, they continue to point fault and blame at each other while insisting error would be corrected as I am the consumer to continue to pay the price of their incompetence. I have called and talked to Representative, XXXX XXXX at XXXX XXXX. who explained that Transunion suspended them from allowing any corrections or reporting on reports for a duration of time but would have report corrected as soon as allowed. To date ( XX/XX/2022 ) the error remains and the good reporting history does not appear on my report. I have paid over {$15000.00} for a car that valued at less than {$7000.00} for the benefit of building credit since I had no credit 4 years ago. I have paid a great price for this benefit only to have the same opportunity kill my report by the credit system error! This is double robbery. I am asking for your assistance to get involved and investigate/review this scenario and enforce both parties to expedite a process to immediately correct my report to reflect my exceptional pay history to creditor, XXXX XXXX XXXX I also seek review for civil damages during the extended time that my report was incorrect and causing me to be denied for extended credit that was needed. It is my wish that this is cured in less than XXXX calendar days as I have been more than patient and continue to suffer in these economically distressed times we are encountering in our country ; it is no secret. I am attaching text communication between Transunion and I and will provide documentation of my car note and satisfied payments to credit upon request. Creditor will also confirm timely payments and satisfied account.

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