Consumer complaint received 2015-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
F.I.C.O. sent an e-mail response to the incident number assigned above, in which they directed me to submit my complaint directly with Trans Union. But, Trans Union credit report is not showing this error, certified by e-mail by XXXX, before this Perkins Loan was transferred to the U.S. Dept. of Education, as certified by XXXX. They, XXXX, reported all Perkins Loans as delinquent to the XXXX main credit bureaus the week before XXXX XXXX, 2015. They wrote they submitted all correction to the XXXX bureaus, and apologized for this mistake, but, the fact is the FICO version of my Trans Union Credit report still shows this terrible error, and according to the current used FICO XXXX version, my credit score is XXXX, and that is XXXX points less than the XXXX score appearing at the Trans Union pure credit report, last time I checked this matter, and the pure Trans Union credit report does not show any of accounts as delinquent, not now, not even 4 months ago, there is no missing payment. But, my complaint was submitted to Trans Union last XXXX XXXX, 2015, writing specifically about this problem, that the Vantage Score from Trans Union was XXXX points higher than the FICO version of my Trans Union as of XXXX XXXX, 2015 because of this error showing an account as delinquent because of a missing payment. I paid nearly 60 dollars in order to see my FICO versions from Trans Union, XXXX, and XXXX, and the only XXXX showing this problem, is the Trans Union version, the only one that shows a considerably lower credit score at the FICO version, even today on XXXX XXXX, 2015, when I was able to pay only for the XXXX Trans Union version of my report, at {$19.00}, because I am unable to pay for the XXXX FICO versions now, but this XXXX is the XXXX with the problem, that was confirmed today why the problem remains, no matter it does not show at the pure Trans Union credit report I just received over the mail from Trans Union, date XXXX XXXX 2015, as required after they investigated my complaint submitted by me last XXXX XXXX, 2015, after 35 days, I called FICO again today, Saturday XXXX XXXX, 2015 at XXXX shows my cellular phone, either the call started or ended, and for 19 minutes 48 seconds I spoke about this problem with a gentleman over the phone, who simply said he understands, but the procedure is that Trans Union has to submit to FICO the corrected version of the Trans Union report or the corrections, so he directed me to call Trans Union to verify, because they have many calls like mine, and he was sure that this is the problem. Called Trans Union at around XXXX pm, and a lady told me that Trans Union is not going to submit corrections to FICO, that they have to take the updated report I received on the mail from Trans Union in order to update my FICO version and score. Called again FICO today XXXX XXXX, 2015 at XXXX, and explained to this other lady that there is a problem, if the recognized procedure is that credit bureaus submit the corrections or the new updated report to FICO, then both representatives from Trans Union and FICO should have told me the same, and that is not the case. She instructed me to complain again to Tran Union, even on the mail, but that would be to submit again the same complaint they already evaluated and sent the updated report you will see. The problem is Trans Union will not send the corrections to FICO, as FICO says it should be, and my DICO version used at banks to approve or deny credit, is damaged unfairly due to a certified error made by XXXX XXXX, as the e-mail received from them shows, last XXXX XXXX. 2015. Is unfair to complain to Trans Union again or to FICO, that is why I am here. Updated report from Trans Union has the number XXXX XXXX XXXX, dated XXXX XXXX, 2015, as received on the mail today by me, XXXX XXXX 2015. XXXX XXXX XXXX investigated too, they responded, no problem with them as documents show

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation