Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In   XXXX   XXXX   XXXX   I  noticed that my TransUnion credit report was incorrectly reporting a late payment ( 30 days past due in    XXXX   XXXX     )  on my   XXXX   XXXX   XXXX   Credit card account, and listing the account as an " adverse account ''. I initiated a dispute with TransUnion, and provided documents from   XXXX   XXXX   XXXX   that proved that there was never any late payment. Within 30 days I received a letter from  Transinion  confirming that the incorrect information had been removed from my credit report, and an updated credit report that showed no late payments, no negative information on my report at all. In    XXXX   XXXX   XXXX   , i checked my credit reports again, and the negative information about a late payment for the   XXXX   XXXX   XXXX   account had been reinserted into my TransUnion credit report. I contacted TransUnion again to dispute the info, but they would not remove it. So I filed a complaint with the Consumer Financial Protection Bureau, and provided all the details and supporting documentation to prove that there was never any late payment. My complaint was number  XXXX , filed on   XX/XX/XXXX .  The CFPB forwarded my info to TransUnion, and TransUnion responded on   XX/XX/XXXX .   Their response was :  " RESPONSE TYPE Closed wit h non-monetary reli ef Company 's response We have reviewed your complaint along with the information you pre viously provided regarding this issue. In response to your request on  XX/XX/XXXX , we initiated an investigation with   XXXX   XXXX   XXXX   #  XXXX  and the account was verified or updated accordingly. However, after reviewing the activity on your file, along with the information in our data base, we have removed all derogatory information from your   XXXX   XXXX   XXXX   #  XXXX  account. Please note that we store information in our records as it is supplied to us by creditors In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately  5 to 7 busin ess days. If you have any further questions, please call us at  XXXX ,  Monday-Friday,    XXXX   XXXX   -   XXXX   XXXX     ET.  Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. We received your complaint about the   XXXX   XXXX   XXXX   account in your credit report, and apologize for any difficulty yo u may hav e experienced. All derogatory information has been deleted from the   XXXX   XXXX   XXXX   #  XXXX  account. '' TransUnion then mailed me another copy of my credit report that showed the negative information had been removed, and the account was listed as " satisfactory ''. At this point I assumed the issue was finally settled, and I was satisfied with their response and thankful that the CFPB was able to help me resolve the issue.   But a few days ago I noticed that m y credit score suddenly dropped   XXXX    points, so I checked my TransUnion credit report. As of    XXXX   XXXX   ,   TransUnion is again listing the   XXXX   XXXX   XXXX   credit card account as adverse, and reinserted the same late payment information ( 30 days late in   XXXX   XXXX    ) i n the account details.

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