Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is ridiculous! On XXXX/XXXX/2016 I opened a dispute with TransUnion , LLC stating that the balance on my open and current auto loan XXXX with XXXX XXXX XXXX XXXX XXXX was not being reported accurately. Although it was reporting as current no missed payments the balance reported was from XXXX 2016. I was contacted by TransUnion , LLC who stated that they required my receipt and would give XXXX XXXX XXXX XXXX XXXX 30 days to respond. I mailed, faxed and sent by email a copy of my current receipt which showed my balance. NEVER EVER did I open a dispute on my closed and paid off auto loan XXXX with TransUnion. I paid this first loan off back in XXXX 2016, it has always been reported correctly and the balance was XXXX! I paid this loan off early! So there was never a reason to dispute auto loan XXXX. Now my second auto loan XXXX with XXXX XXXX XXXX XXXX XXXX the XXXX that I did dispute was updated on XXXX XXXX, 2016 and the dispute was closed on XXXX XXXX, XXXX that was the end of it and I reached out to XXXX XXXX XXXX XXXX who provided written proof that the account was updated. According to TransUnion , LLC the balance was only updated one month and now reflected XXXX 2016 balance. I advised TransUnion , LLC repeatedly to leave the dispute closed even if they did update the balance to XXXX 2016 please leave this dispute closed and that I would work this out with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX advised me that their system with TransUnion , LLC was outdated and that they were in the process of updating their reporting system and my balance would be corrected soon. I advised TransUnion , LLC of this information that I was provided and again repeatedly told TransUnion , LLC to not open anymore disputes in regards to my auto loan XXXX andsince it was closed on XXXX XXXX, 2016 to leave it closed! This is what TransUnion , LLC did.. thye closed my first auto loan XXXX which had never been a part of the open dispute and they also closed my current auto loan XXXX the one that was part of the dispute and the only one that had a balance! After speaking with numerous people at TransUnion, LLCincluding fake supervisors, I finally got a customer service rep. who stated that my first auto loan XXXX which was never disputed was removed in error! The second auto loan XXXX was removed because TransUnion , LLC said XXXX XXXX XXXX XXXX XXXX did not respond when they ( TransUnion , LLc ) reopened the dispute on their own, against my will and without my permission or consent on XXXX XXXX, 2016. I advised TransUnion , LLc that they should not have removed my close and paid off auto loan XXXX and they should not have REOPENED an already closed dispute on my second auto loan XXXX. TransUnion , LLC told me they did n't know which loan I had previously disputed so they closed them both! How ridiculous is that?? Very unprofessional and intentional willful acts to damage my credit on the part of TransUnion , LLC. Both of my accounts need to be added back to my credit report with all payment history and balance included or I will sue TransUnion , LLC!! This matter has been ongoing since XXXX 2016 and should have been resolved! TransUnion , LLC also added a 7 year fraud alert to my credit report without my permission or any type of documentation or police report from me! When I demanded that they remove it they lied and said XXXX notified them to add the alert! After speaking with XXXX they confirmed that TransUnion, LLn advised them of the 7 year alert! All of my points removed by TransUnion , LLc unlawful acts need to added back to my credit report immediately! TranUnion, LLC letter to me dated XXXX/XXXX/16 states the info. ca n't be found because they removed it from my report! Yes, illegally removed it! Very dishonest company!

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