Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I signed up for credit reporting through XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. I moved from this community on or about XX/XX/XXXX. 

My opt-in for credit reporting was an effort to positively improve and re-build my score and/or eke my way to appearing more creditworthy before purchasing my future forever home as well as positively affect other chances for other opportunities that would be afforded me as creditors, employers, etc. weigh heavily on this. 

For sveral years I paid on this account on time and in full to build a positive credit history with my apartment community and opted-in for that very reason. 

I recently got a letter from Transunion that states they've absconded the " Satisfactory Account '' tradelines from my credit report. 

This was done without my consent, contest, inquiry, or knowledge. 

The tradelines postive nature would have afforded me a better chance of becoming a homeowner in spite of the XXXX XXXX and 1 repossession that I'm currently disputing for bad reporting not following the FCRA guidelines and truth in lending. It may not seemed much but it has made me appear in a more formidable, positive light to a number of other businesses that reference this to determine what kind of tenant or buyer I'd be. 

The Satisfactory Payments from this account was directly considered and the sole reason I was able to move out of the apartment community I'd been in since about XX/XX/XXXX into a home on XX/XX/XXXX by demonstrating to the XXXX I'd successfully pay timely rent because it shown on my my Transunion credit report from my move-in date to move-out date! 

I was told by Transunion call center XXXX that my address has not been updated to the current XXXX but Transunion mailed documents to my current address?! 

I was told there were some extraneous steps I'd have to take to have this rectified that would be considered undue hardship and time consuming and may take several weeks to resolve through snail mail correspondence if I had further disputes to address. 
Transunion mailed my documents to my current address but say they don't have it on file and added further hardship to an otherwise easily available solution that is afforded to similarly situated individuals as myself. 

I'm attaching the documents from Transunion as well as the letter stating they removed the tradelines from my credit report. I need them to be put back on my credit report and Transunion said that the reporting agent must follow some esoteric steps to restore it by contacting Transunion directly in order to put them back but Transunion had no right, cause, provocation, or reason to remove any positive information from my credit report at all nor did I authorize or question, at any time, my few " Satisfactory '' tradelines.

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