Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, XXXX XXXX  transferred their XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. As a result, the balance was transferred to XXXX. Effective XX/XX/XXXX, all monthly payments were submitted to XXXX. When I went to XXXX XXXX website and clicked XXXX XXXX, it states that they were transferred to XXXX, effective XX/XX/XXXX. 

I'm in the process of purchasing a vehicle and when I reviewed my credit report from TransUnion ( paid credit monitoring service ), I noticed that BOTH XXXX XXXX  and XXXX shows the account as open, active and has a balance. It appears the accounts were duplicated instead of being transferred. I checked XXXX and XXXX and they are reflected correctly. TransUnion refuses to correct my Credit Report. 

On XX/XX/XXXX, I submitted a Dispute with TransUnion. When I didn't hear back from them, I reviewed the dispute status report ( created on XX/XX/XXXX ) and it said the Creditor XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX confirmed the account was active, open and had a balance. The exact wording in the report is : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED. This is incorrect because the balance was transferred to XXXX. 

On XX/XX/XXXX, I called TransUnion to determine what documentation was submitted by XXXX XXXX  to confirm the account was active, open and had a balance. They could not provide the information although I spoke with a customer service representative and a supervisor. They explained that they submitted the dispute details to XXXX XXXX  electronically and that XXXX XXXX  did not include any supporting documentation, but confirmed the information was correct. I explained that I had called XXXX XXXX  for the last 30 days and not a single customer service representative could pull up my account details because the account was transferred to XXXX. I asked if they could provide, XXXX XXXX  contact info, specifically a phone number or a name, and they declined. 

Thus far, I've called XXXX Bank at XXXX ( instantly transferred to XXXX ), XXXX ( no help ), XXXX XXXX XXXX ( no help ), XXXX XXXX XXXX ( no help ) and XXXX ( no help ). 

I called TransUnion ( XXXX XXXX XXXX ) again and explained the situation and they said they couldn't help me anymore and I would need to reach out to XXXX XXXX  who doesn't have me in the system. As a result, today ( XX/XX/XXXX ) I canceled my TransUnion Credit Monitoring subscription because clearly they aren't monitoring anything. I've been paying {$14.00} for years for nothing. 

The double accounting error isn't reflected on XXXX or XXXX credit reports, I don't know how to fix the error. TransUnion keeps sending me to the Creditor XXXX XXXX XXXX ), who provided them no documentation and XXXX XXXX  can't find me in their system. I'm in limbo and going in circles. 

I submitted another dispute today to TransUnion for the same issue.

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