Consumer complaint received 2021-06-03
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:
On today XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have reached out to Transunion to fix an huge error that has occurred on my credit profile. 

I have stated/talked to over 10+ reps for hours about the issue at hand, yet to speak with a representative that fully understood the process, pain and suffering this sudden mistake has caused. An English speaking supervisor understood my frustrations and he prompted me to take added steps to ensure that it can be solved with letters from lenders/creditors. 


The problem is the lenders/creditors has submitted necessary documents, increases, balances and usage to Transunion internal office but Transunion representatives have repeatedly said this can not be reversed, changed, updated e.g. 

I asked were the calls being recorded/reported, I asked for a direct email to contact an actual human not an artificial intelligence system that has yet to fix the issue at hand. A generator can not fix an human error. I have asked countless of times for someone to fix or direct me to someone can assist with this unfortunate situation. 
I believe this system is XXXX  motivated due to the failed efforts & correction of this matter. 

I receive several letters from Transunion about the investigation that has yet to be solved. The letters does not confirm a solved problem. When I reached out to Consumer Finance the XXXX XXXX dispute was already cancelled, XXXX XXXX XXXX already notified them via email to reverse and immediately fix the problem. Transunion failed to do so. I received another letter stating the same thing just with a copy of my credit profile ( no credit score ) still hasnt been corrected or increased. I want to proceed with an attorney so that this system be removed or overviewed by an human/s so that accurate reporting is updated. 





The redundancy of options given are not applicable to my situation at because I have taken the necessary steps to ensure my credit score is increasing. I have reported several inaccuracies and Transunion has yet to make the necessary corrections to ensure they are fixed. The representatives mentioned my credit score is showing accuracies when I know for certain it isnt true. As mentioned, there is no reason for my credit score to continue decreasing at all. I want whats rightfully mine to reflect positivity so that I can move forward.

All my accounts are open, active, great payment history, no delinquencies, low usage.

Prior to this incident my credit score was a stagnant XXXX, the lenders/creditors system was reporting ( a artificial intelligence system ) instead of a human was reporting my credit balances, increases and usage. I want it fixed and if TransUnion doesnt fully look into this with an actual personnel I want to speak to an attorney at CFPB to ensure all of this is situated.

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