Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had received a monthly credit report on XXXX as part of a free service with my credit card company. My credit card company used TransUnion to provide this service. In the report I noticed that the reported amount for the outstanding loans I have is about {$81000.00}. Previous statements from my loan had stated that my loan balance was around {$67000.00}. I called my service provider and they confirmed that my loan balance was correct. They had also affirmed to me that they send monthly balance updates to the Federal Credit Bureau, and they recommended that I contact the credit reporting company to tell them to update my information. 

I admit that I had a free credit report done in XXXX 2016. XXXX and XXXX had reported the same amount that XXXX had been reporting, but TransUnion was the only one that was reporting the {$81000.00}. 

I called TransUnion immediately after I called XXXX. I was first asked a series of questions to confirm my identity like I would for a credit report, but the first alarm that went off was they asked for any other last names that I have used in the past. The had no record of my current name. It has been XXXX years since I had changed my name and I had never worked with this company ( or other credit reporting companies, namely XXXX or XXXX ) before the phone call on XXXX. Therefore, any information they were able to collect prior must have come through Federal Credit Bureau. When I asked them to update my information, they had told me that I need to mail in information confirming my identity with a current lender. This company is asking to confirm information with them that should have been provided from the Federal Credit Bureau. 

When I inquired about the amout reported for my loan after being told I need to correct my current name with TransUnion, the representative was unable to confirm with me the total outstanding balance on my student loan with XXXX and stated that I had several accounts with them. He told me then that he would send me my credit report with them in the mail and that I needed to call back in 3 to 5 days to tell them which accounts were wrong. Again, prior to this conversation with TransUnion, I had never engaged in business items with them so the information collected on me had to come from the Fedeal Credit Bureau and therefore, they are delinquent on their records. 

As in the case I discovered with my credit card company, my outstanding debt is being falsely reported to creditors and lenders. It is negatively impacting my credit score and could potentially harm my chance of purchasing a home in the future. This correction must be made with out hassle ( e.g. mailing unsolicited credit reports, and providing documents to prove my name change that should have been noted already ), and the company must update their information using the Fedeal Crefit Bureaus Databases.

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