Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union refuses conduct their own proper investigation and to honor a court order directing the deletion of XXXX charge-off 's from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 
However, Trans Union refuses to honor the court order. Here is the latest dispute letter I have sent TransUnion. 

I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
TO : TransUnion Phone : XXXX Fax : XXXX, ( For Company 's ), XXXX To Whom It May Concern : On XX/XX/2016 I sent you a certified letter disputing XXXX charge-off accounts : 1. XXXX : Acct # XXXX 2. XXXX : Acct # XXXX I also attached the results of lawsuits I had filed against XXXX and XXXX Banks with the settlement agreement. The court ordered settlement agreements demands both trade-lines be deleted. Additionally, I included the Courts phone numbers and case numbers to assist Trans Union in their investigation. However, Trans Union made a decision NOT to investigate and alternately defer to each creditor. On XX/XX/XXXX, both creditors provided Trans union with inaccurate information because their systems have not updated. As a result, I contacted XXXX of the " Special Handling department '' who informed me Trans Union does not have an obligation to the courts but to the companies that pay monthly fees. In other words, Trans union is on record admitting they are a money for hire service and have no respect for court orders. 
Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a " PROPER '' investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I contacted both ; XXXX and XXXX on XX/XX/2016. They informed me that at the time Trans Union requested the information my account status had not updated to reflect the settlement agreements. ( A perfect example why the courts have outlined what a proper investigation is ). 

I am again disputing the above-mentioned accounts and requesting Trans Union conduct a PROPER investigation and delete these trade-lines from my credit report. 
I currently am without a car and can not buy a car due to these errors, further I can no longer depend on others to drive me to work, If I can not purchase a car this week I lose my JOB, and Trans Union will be in another compromising position once I file my lawsuit. As you have previously witnessed, I am very capable, I did so last year and prevailed, but regret settling. I will not settle this time around if that is the option Trans Union forces upon me. 
However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX and XXXX have already done. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX SS # XXXX

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