Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX  RANS UNION CREDIT REPORTING RE  :  XXXX   XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX   XXXX    XXXX   XXXX   is an assigned servicer for  XXXX   XXXX  student loans.     On  XXXX   XXXX  had open ed two acco unts with no origination documents.      Trans Union c ontinues to report delinquent student loan information that was previously deleted due t  o Fair Credit Reporting violations US 15 1681.
Trans Union and its affiliates, credit managers worked in concert with      XXXX   XXXX   to cause  credit score dama ges and cause adverse credit damages. They had done this previously with my other accounts to cause the credit line to be lowered.      Trans Union says information is provided by the creditor and once in dispute I have thirty days to s ee the results of the dispute.     Any account that is past the statute of limitations and can not be deemed collectable must not be re-aged to ca use credit score anomalies as to cause forced 'account reviews ' to trigger a credit score o r report to be provided to existing creditors to allow reductions in credit lines is willful and intentional and in violation of FDCPA  1691e whe n acknowledging previous deleted material to resurface on the credit report to re-age, and plunger individual credit scores.     Such acts and practices are to be deemed intentional if the consumer shows willful and deliberate acts or practices the agency shares exclusive information when items especially negative items surface on the report to engage in fraudulent information sharing via credit reporting device or similar communication as 'triggering events ' to alert creditors.     Further, doing so would violate the integrity rule when the agency fails to follow proper security and steps to avoid re-aging accounts and causing reductions in credit scores without properly verifying account related information, previous account history and reporting.     Generally, when an account is written off the credit scores rebound, however when an account is written off, sold to another lender and reported as a new account this is called " account re-aging '' and is illegal under the law.      Trans Union h as allowed  XXXX  to re-age accounts and shared negative account information to other creditors by triggering account reviews when negative information is entered in credit reports, systematically.      Trans Union did not investigate when negative information that re-appears on consumer reports even in many other instances Trans Union fails to check the veracity of information, changes consumer data forms ACDF and sub sequently uses consumer reports to facilitate changes in credit scores and cause reductions in credit lines namely ( adverse action ).     Thi s Trans Union procedur e if found willful and wanton is considered by the  XXXX   XXXX   XXXX   XXXX   XXXX  an ethical violation. When an individual at the bureau or agency follows steps to prevent re-aging of accounts this would not occur. Otherwise, allowing old accounts to be re-opened when transferred would violated the time permitted for delinquent accounts to run their regular reporting periods, allowing accounts to be transferred due to compliance issues facing serious q  uestions regarding the integrity of information provided by certain tradelines ( via ) consumer reporting agencies and the time period for reporting derogatory accounts, and how the information is compiled and furnished.
CC Federal   Trade Commission

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