Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have received yet another letter from Transunion stating that they did not adjust my credit report regardless of the creditor, National Oceanic and Atmospheric Administration - National Marine Fisheries Service ( NOAA ), sending TWO letters stating that the debt, and the delinquency of the debt, was due to errors on part of NOAA and the USDA National Finance Center ( NFC ). They are not conducting this investigation properly. They are contacting the NFC, even after me making multiple attempts to inform them that NOAA is the creditor. NFC is a payroll provider for NOAA. They are NOT the creditor. And the NFC is only going to report to Transunion the information regarding the debt. NOAA however, stated very clearly in their official letters to Transunion and copied to me on XX/XX/2019 and XX/XX/2019, that this delinquent debt was a result of a payroll processing error, a failure by NOAA to forward the automatic paycheck deductions to my new agency when I transferred in XXXX of XXXX, and the NFC 's failure to notify me that the payments had stopped and would need to be manually completed. NOAA also clearly stated in both of their letters that " Given the fact that NOAA failed to provide timely notice to the employee, it is NOAA 's position that the debt should not be considered " Past Due. '' We ask that you remove any negative impacts of this debt from Mr. XXXX 's credit report and score and consider this account to be " Current '' and " In Good Standing '' with no prior " Past Due '' activity. 

This SAME account has already been removed from my credit report once. The account first showed up on my credit report in XX/XX/XXXX. At that time, I was unaware of the remaining outstanding debt of approximately {$400.00}. As soon as I found out it was outstanding ( which I only discovered when it impacted my credit report ), I contacted NOAA and the NFC and immediately paid the debt. I wrote a letter to NOAA and they responded by writing the letter to Transunion asking them to remove the negative report. At that time, Transunion completed an investigation and very quickly removed the negative comments from my credit report. In doing so, this brought my credit score back up from around 700 to around 800 ( where it was before the negative report ). However, upon paying the debt, it took about 1 month before the NFC sent yet another letter to Transunion commenting that the debt had been paid and classified it as a " charge off after collections ''. Again, this is the SAME account. Not a new account or debt delinquency. This same account that had already been removed once. 
Transunion added the new report from the NFC back to my credit report and my score dropped again. This time from around 800, to XXXX ( the only reason it didn't drop all the way to XXXX again is because this time it showed the debt paid rather than " Past Due ''. 

This should not have been added back to my credit report after having been corrected once. Regardless, it should have been corrected when I filed yet another dispute ( I believe I am on the 4th dispute now for the same account correction, which I am in the process of filing again ). 

This should be a simple process for a competent investigator. NOAA initiated the debt when they overpaid me and requested it be paid back. The NFC is NOAA 's payroll provider. NOAA is the agency which overpaid me. They are the agency that has the authority to request the negative comments be removed from my credit file. THEY DID THIS TWICE. NOAA has sent TWO letters to Transunion. They have those letters on file ( this was verified to me by one of their technicians on the phone when I called them regarding this issue ). They are ignoring the fact that NOAA requested the correction because the report came from NOAA 's payroll provider, the NFC. THIS HAS A VERY SIMPLE SOLUTION. Transunion needs to contact NOAA. The administrative personnel with the authority to make this  determination provided his name, email address, and phone number in BOTH of the letters he sent to Transunion. The fact that this has been ongoing since XX/XX/XXXX ( and causing me and my family to lose the opportunity to purchase a home ) is that the Transunion investigators are not being thorough. It took me two days to follow the paper trail when this initially occurred and determine the source of the problem. 

I realize I am being redundant, but it appears that this is a necessity with Transunion since I have sent them this information numerous times and NOAA has sent them two official letters and they still can't seem to resolve this issue. At this point, it seems negligent and is causing me and my family stress and extreme trauma. We have had to forego two different homes that we would like to have purchased due to Transunion 's negligence. Additionally, it inevitably will have a financial impact due to the constantly rising cost of realty. If I Transunion does not get this resolved, I am going to obtain legal representation.

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