Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is willfully and wrongfully reporting a negative derogatory indicator on my credit file that is negatively impacting my credit score and credit report. My Transunion credit file just recently updated in XX/XX/2022 with an unjustified " Bad Payment History '' derogatory indicator on it that is negatively impacting my credit score. I DO NOT have any derogatory accounts or information on my credit report that would justify the presence of the " Bad Payment History '' derogatory indicator that Transunion just imposed on my credit file. Putting wrong and incorrect information on my credit file that my file does not mirror is an intentional act of discriminatory oppression, as it is impacting my ability to close on my home loan and obtain other necessary financial services, products, and opportunities. Now when creditors pull my credit report, they automatically deny me for the derogatory " Bad Payment '' indicator that Transunion wrongly placed on my report without reviewing my credit profile to see that the indicator is wrong and incorrect. This system error is wrongly and negatively portraying me and my financial responsibilities in a bad light and it needs to be corrected and removed from my Transunion Credit Report NOW! I have not had any late payments or bad payment history with any of my accounts on my Transunion credit file. But with the " Bad Payment History '' derogatory indicator that Transunion has on my credit file, no creditors want to lend me credit. I am being denied credit limit increases, and I am being denied access to owning a home for my family and I to live in ... .my US Citizen Right. 

As a result of XXXXXXXX XXXX  wrongly error on my credit report, I am being wrongly denied access to credit immediately and told by creditors that I need to have the information corrected by XXXX. I have reached out to Transunion and explained this issue to no avail. They ignore the matter and simply tell me not to worry about it. How can I not worry about it if the situation is wrongly denying me my right to access credit and other necessary financial opportunities needed for my family and I to live a meaningful and safe life. This type of willful neglect of the consumer 's right to have a credit report that is accurate and free of erroneous and damaging information is illegal and it must STOP NOW! A credit bureau can easily hurt, damage, and destroy someone's life due to their eternal and technical errors and mistakes. They don't care of take any responsibilities for their mistakes and errors that negatively impact someone's life. THIS MUST STOP! TRANSUNION MUST BE MADE TO ONLY REPORT ACCURATE INFORMATION ON SOMEONE'S CREDIT REPORT. I should not have a " Bad Payment '' Derogatory indicator on my credit file if I don't indeed have a bad payment history. Their computer systems and codes need to be in compliance to report the actual reflection of my credit report and nothing more.

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