Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX accounts are reporting improperly on my TransUnion Credit Report. ( XXXX and XXXX XXXX XXXX ). I have disputed the accounts several times. TransUnion continues to come back and say that these accounts have been verified as accurate. Today I called to check the status on the accounts, only to find that after sending in written documentation detailing my disputes, TransUnion FAILED to accurately dispute the accounts. ( See attached for the official dispute letters I sent ). TransUnion processed XXXX and XXXX XXXX XXXX as if I was disputing the amounts or other details of the account. As you will see in the attached, I WAS NOT. The specific dispute is that these accounts were NOT included in the bankruptcy that the creditor and the agency is claiming. I requested to speak with a supervisor and advised the supervisor that the XXXX account was paid in full ( high balance of {$30.00} ) XX/XX/XXXX ( see attached receipt from the University confirming this. ) The bankruptcy that the credit bureau is claiming as mine was filed XX/XX/XXXX. They are saying they need more documentation when in fact there is no further documentation needed. Common sense tells you a paid debt with XXXX balance would n't be included in a Chapter XXXX bankruptcy. TransUnion insists that they verified the information and they in fact have not. 
As for the XXXX XXXX XXXX, same scenario. This account is being listed as included in a Ch XXXX Bankruptcy which occurred XX/XX/XXXX, XXXX XX/XX/XXXX. This MasterCard account was closed XX/XX/XXXX. I used the card and made my timely payments until XXXX XXXX sent me a notice that they were closing it. I disputed with them directly, however they refused to adjust this. TransUnion removed my positive pay history with this account and listed as included in a bankruptcy that occurred almost XXXX years prior to my account closure. They continue to insist that this is verified as accurate. I have asked them to request the payment history for the account so that they can see the proof that I continued to make payments. XXXX XXXX refuses to give it to me. I advised the supervisor of this and also noted the fact that TransUnion did not even dispute the account properly. I asked the supervisor would this be addressed and he insisted that because there are offices in other countries, TransUnion effectively can not stand by the quality and accuracy of their work in reporting. This is of course extremely disheartening to find that this company does not follow the law in reporting accurate information on consumers reports. Both of these accounts need to be updated immediately or removed. I have now been through XXXX cycles of disputes. It is UNFAIR and UNETHICAL to continue to take me on this roller coaster, at what point are my rights to a fair and thorough investigation upheld.

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