Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As noted on my previous complaint, my first two dispute letters were ignored and not processed. Before I filed the complaint here, I complained to the company about the way they mishandled my letters and did nothing to process them and also informed them I would be contacting CFPB over them not doing what is required with my letters as per the Fair credit Reporting Act. 

This has lead Transunion to retaliate against me by making changes to my credit report that would ensure my score decreasing significantly!!! As I explain in detail, I will also attach the proof of these actions, which I believe to have been in retaliation to my complaints directly to Transunion as well as informing them I would be filing a complaint here. 

As my XXXX dispute letter was disregarding entirely and my XXXX dispute letter was as well, I contacted Transunion furious and was not the least bit pleased with what had happened and made clear my Intentions to file a complaint. Once they recovered my XXXX letter and said they would look into the disputes I waited to file my complaint here. I did see that on XX/XX/XXXX my score went from XXXX to XXXX. This was noted as due to remark code changes on 4 accounts. This lead me to believe they were actively doing what is legally required and processing my letter. 

On XX/XX/XXXX, it started to become clear that the retaliation had begun. It was then the first Collection account was CLOSED. 

On XX/XX/XXXX, FOUR more collection account to were closed. And the remark codes on XXXX  previous made were removed and added another. 

On XX/XX/XXXX, the SIXTH collection account was CLOSED. 

My XXXX accounts were both removed, although as per the dispute letter I requested that the negative information be removed which was deliquent payments as the accounts had a XXXX balance. Instead they completely deleted my oldest accounts making a significant change to my credit. 

They also removed a negative account from XXXX  : XXXX  XXXX  XXXX. Then IMMEDIATELY entered it back on showing a new account opened still dated XXXX. New accounts opened cause a drop in score. 

And again they removed the remark code from XXXX  and added another remark code. 

These changes alone dropped my score XXXX points!!!! They deleted my 2 oldest accounts instead of rectifying the neg info, deleted XXXX XXXX and added it as a new opened account and CLOSED the 6th collection..ALL OF WHICH NOW SHOW AS OPEN. They closed all those accounts, which XXXX clearly shows as closed as well and changed them all to open! 

On my letters, I requested they mail me PROOF of their investigations. They only sent me their Investigation results dated XXXX XXXX..the day before they made such significant changes to my report to drop my score XXXXXXXX  points!!!!! I believe they waited thinking I would accept this report and not notice the changes the very next day! Very calculated way of making changes. 

They did not include the proof from these collection agencies or signed documents as requested in the dispute letters. They merely sent me a report showing results with no proof behind any of it. I requested specific proof to verify their investigation and to this day have received none of it! The 30 days have long past! They ignored my letters which was against the fair credit reporting act to begin with! They dismissed both my XXXX and XXXX letters, although they were sent with my state issued license and copy of my bank statement to prove my home address. Again, against the rules set forth that are supposed to fairly comply to! Now due to my complaints they make every effort to tank my credit score from a XXXX all the way down to a XXXX in retaliation, making the biggest portion of that drop the very next day they made the report of their investigation they sent to me!!! I dont find this to be fair reporting at all! Its vicious and underhanded and they did it to retaliate against my stern complaints! They also never thought I would find out about the changes, but I get reports every single day of whats been changed on my report with detail, they were unaware of this. 

I think the documents I will attach show just how underhanded someone at Transunion has been and how they seem to bend rules that they should be fairly adhering to! 

I have no doubts that I am not the only one they have done this to either! Even tho I made complaints here with XXXX, they did things fairly and my score is still at XXXX. Transunion went out of their way to do what they could to tank my score SIGNIFICANTLY due to my complaints to that were quite frankly valid!!!!

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