Consumer complaint received 2016-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX, XXXX CERTIFIED MAIL RRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL RRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL RRR # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam : RE : XXXX XXXX XXXX S.S. # XXXX XXXX/XXXX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX S.S. # XXXX XXXX/XXXX/XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/Madam : We are sending another letter of correction. Please include the new information that we are providing. We previously sent written evidence to verify our dispute. If you should like another copy for your files, please let us know. I do think that we should be given the same rights as the vendor that is reporting. Our accounting of this particular transaction should be showed, in full, on our credit report. We, nor do other people, have the same rights as the vendors that report. They can report against us and everything is recorded. But, in the past, when we provided evidence on our case, with supporting documentation, very little was shown on our report. So we are not only disputing the information against us, but we are disputing the fact the each of the credit bureaus should give us, the creditor, ample space for the information we are providing. 

We would also like to know when the rules changed ; we were told this would stay on our credit report for 15 years. That really is an unreasonable length of time. 

Again, we do not agree with the information you have nor do we agree with the information that the vendor provided. We would therefore like a written letter and not a form letter addressing this account and others. 


DISPUTED ACCOUNT TO XXXX, XXXX AND TRANSUNION XXXX - XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - This account was not charged off as a bad debt. On XXXX XXXX, XXXX, we sent a copy of a petition which was filed with the XXXX Court of XXXX County, XXXX, case # XXXX. This case was closed due to the Plaintiff not showing up for court and letting the case sit on the docket. This was an ongoing court case and NO DECISION was made by the Judge, and furthermore, as we said, the Judge closed the case for lack of participation by the Plaintiff. Prior to the court case, M & I was uncooperative ( letters were sent previously which were written by my attorney ). As per the past letters, to each of the credit bureaus, I had XXXX XXXX and lost my job. It was not because we do n't pay my bills ... .it was due to a medical disaster and also the company I was working for folded. My husband and I asked XXXX through e-mail correspondence ( copies are available upon request ) to let us refinance. Our attorney was not even given the courtesy, nor were we, a response to his letters. When our attorney asked for time to sell the house or get a new note and begin payments again, M & I filed a lawsuit with no answer to my attorney 's letters. In addition, this mortgage company refused to work with our attorney, XXXX XXXX, ( who was also our real estate agent ). XXXX listed the house for sell and had a potential buyer. The mortgage company advised my attorney, XXXX XXXX, that they would not wait for us to close the sell. This mortgage company was unwilling to work with us to refinance. During this time I lost my job and income of approximately {$4500.00} a month, and was completing XXXX XXXX treatments. 

XXXX filed a case in the XXXX Judicial Circuit Court, XXXX County under case number XXXX on XXXX XXXX, XXXX, which

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief