Consumer complaint received 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/XXXX, I pulled my annual credit report, my score at that time with Transunion was XXXX, my negative items were XXXX {$600.00}, XXXX XXXX {$410.00}. I disputed these items because they were wrong and I had them removed. On XX/XX/XXXX I decided to buy a car from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Financial Manager informed me that I did n't have a credit score of any kind with Transunion. I did n't understand that because I felt by this time my score should have been in the XXXX because of all of the negative items that were removed and I always had a good payment history. I did n't expect my score to be missing in its entirety from my file. XXXX XXXX stated that in all of his years of working in Finance he had never seen a file without a score. When I started working with XXXX XXXX, I instructed him to use XXXX XXXX XXXX because I had accounts with them and they were running a buy a car special. He was n't able to get me financed with XXXX XXXX XXXX because I did n't have a credit score. He did get me financed with XXXX XXXX for a higher interest rate. I was n't able to take advantage of the XXXX car buying special event, even with my great payment history. I was penalized greatly because of Transunion record keeping. I attempted to pull another report and score on XX/XX/XXXX and XXXX XXXX was correct no credit score was available at that time and my file had numerous inquiries. I mailed a dispute/ deletion letter to Transunion on XX/XX/XXXX in reference to the inquiries in my file. They replied on XX/XX/XXXX stating that none of the inquiries in question were showing up in my file at this time. I called them and the representative in the XXXX or XXXX informed me that the inquiries will remain on my file for two years and I should ignore the letter sent to me from Transunion stating that they were not on my file and they are. She also stated that credit scores did n't matter because each company is allowed to make up their own scores. It is very hard trying to explain your problem to someone in a foreign country who does n't have a clue as to working of credit in the United States. I am at my end with the credit bureaus and they shabby record keeping. They do n't stand behind anything, not even correspondence from them. What should the consumer do? 
These are the inquiries on my file that I was disputing : XXXX XXXX XXXX - XXXX of XXXX XXXX and XXXX ( Same company on my report twice ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX/XXXX/XXXX - ( not mine ) XXXX - XXXX XXXX - XXXX/XXXX/XXXX - ( not mine ) XXXX XXXX and XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX letter enclosed from XXXX XXXX requesting that these inquiries be removed, they refuse to do so. I am not certain why the credit bureaus are out to hurt the consumer, it does n't matter what we do, you can pay your bills on time and pay certain things off, you are penalized. If you do n't have a lot of open debt, you are penalized by their standard. You have no control over who submit inquiries, why are we penalized for something we have no control over? The credit bureaus are misusing the consumer with fees and items they want to sell us to do their jobs. They do n't care about how factual their records are, they only care about making more money off of the consumers. They definitely need to be overhauled.

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