Consumer complaint received 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The option of complaint best describes my situation, however its not that it has reinserted previously deleted information. Its actually Transunion WONT reinsert previously deleted information on my credit report after gross negligence. I performed my annual credit report and found that an account had a XXXX credit limit and with an odd name that only contained numerous numbers at the end of the account name. I could not decipher what the account was for due to the name of the account with incomplete contact information. One of my options on a very short list of them was " I have no record of this account. '' With me selecting that option I was under the impression that a representative would contact the credit institution first and then follow up with me, to verify further and to provide more information of the account as none of the other options available to me would resolve my issue of having no idea what this account is for. With no follow up or more information provided, the account was simply removed without my knowledge. The account belongs to me and needs to be reported back on my report. However, every time i call Transunion, I can not even speak to a customer service representative that does n't have a XXXX accent and broken English, I am stonewalled and they say there is nothing that can be done due to company policy of not putting the account back on after it has been removed from my report. Last I checked, there is multiple verdicts in the court of law that states company ( or administrative ) policy has NO basis in law. I ask to speak to their supervisor and am stonewalled again, finally after threatening a formal judgement against them, I am just put on a line " to their supervisor '' that just rings off the hook with no answer on the other end. At this point, I am beyond ready to charge a formal judgement against Transunion as they have been zero help, have made this process more drawn out and my time being wasted. The other account I opened up, with the same company ( XXXX ) with a XXXX dollar credit limit, after the fact of all this disputing with Transunion was n't even posted when XXXX and XXXX reported it. I had to threaten action against them from the CFPB, yet again, to get them to even lift a finger. Between the stonewalling, the lack of assistance in the matter, and unlawful company policies from reading through the public information of credit reporting procedures provided by the CFPB website and reading through the FCRA, its an open and shut case. The account is still active as it has n't been more than 7 to 10 years old. A verification call to XXXX lending would have shown that the account was in fact an active account still in good standings, and all I am asking is that Transunion reinstate the credit account in good standing on my report with the ORIGINAL date of opening as to satisfy federal law of not " re-aging '' the account. Its obvious that Transunion was grossly reckless and proved complete negligence in handling the matter from the start. I know Transunion does n't want to pay restitution so I suggest Transunion contact me to resolve my issue to my full satisfaction before the matter gets escalated further.

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