Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a phone call phone from a collection agency advising that I had a past due balance on an account I have NEVER HAD. I advised them that I had never had any personal or business dealings with the bank in question. I requested that they mail me the information to review. Immediately after that phone call, I contacted all 3 credit bureaus to review my reports. I wanted to make sure that the information listed was accurate and that this particular information was not appearing on my reports. I was able to view my credit report from XXXX and XXXX online. I noticed that XXXX was reporting the amount of my XXXX  loan and the original balance incorrectly and filed the dispute online. My issues started when I tried to retrieve my report from TransUnion. The first issue was that I was advised they could not verify my information as provided and to contact the office by phone. I called the office of TransUnion. After providing my phone number, date of birth, and last XXXX of my social I was asked to confirm that my address was an address not mine in Delaware. I was asked to confirm that my first name was XXXX and my last name was the person XXXX last name. Apparently, when you call, TransUnion uses the phone number you are calling on to verify your identity. I have had my phone number for about 3 years I was concerned that if they are identifying folks by phone number someone calling in using my old cell phone number may be obtaining my information as I was able to obtain the address and full name of this gentleman XXXX. After spending 30 minutes on the phone finally, I was advised that I would receive my report by mail. A week later I received my credit report. The above-mentioned account was not on there however the reporting of my XXXX Loan was inaccurate. My XXXX  loan along with thousands of others was paused in XXXX the agency that had my loan XXXX never reported the pause as the letter I received from them and US Department of Education advised. Instead, it was showing 4 months past due every month in 2020 up until the time my loan was transferred over to my new lender. In addition, once again, the amount of my loan with interest was reporting incorrectly appearing to show I went over my loan amount limit when in fact that is the daily interest calculated on the loan which is why those of us who have XXXX  loans feel like we are paying payday loans because the interest almost equals your monthly payment. I have tried to dispute this issue with Transunion first by phone. I was advised to go to the website. I went to the website and put in my username and password. Apparently, they can not recognize my password on my smartphone or my computer. I was advised they would send me a code to reset my password. Never came. I checked and rechecked as of right now I still do not have the code. IT SHOULD NOT BE THIS DIFFICULT TO DISPUTE AN ITEM ON YOUR CREDIT REPORT. I received this portals reset in less than XXXX seconds. I contacted the chat feature on the TransUnion site no help. So I am contacting your office to once again ask for your assistance in getting a business to respond to their customers. I appreciate your service. I just want to dispute the information on this report.

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