Consumer complaint received 2015-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Today, Thursday, XXXX XXXX 2015, I received an e-mail confirmation from you at Consumer Financial Protection Bureau, or CFPB, saying Trans Union sent a response to my complaint. Unfortunately, since the same date the complaint was submitted, last Saturday, XXXX XXXX 2015, I am unable to register or set a new password, no matter all the times I tried to do this, even with the help over the phone of CFPB representatives several times, so I am unable to see the written response by myself, but a female representative at around XXXX XXXX XXXX today, XXXX XXXX 2015, was able to read for me Trans Union 's response over the phone. I counted XXXX e-mail response for support password assistance, sine the same Saturday XXXX XXXX, 2015, all ended with no results, I am still unable to see my complaint and Trans Union response online, no matter several attempts were initiated by the CFPB representatives over the phone. The lady who read over the phone for me the Trans Union 's response, said nothing about what I am asking in this complaint to Trans Union. Simply what she told over the phone, and you can read the exact transcript of it by searching the company response that I am still unable to see here at CFPB, Trans Union just says that there are different score models, that they use the XXXX Score, not the XXXX XXXX XXXX, or FICO model, but all those things are available at their web sites for anyone who wish to see it, that is not my complaint at all, to summarize it again, Trans Union says that FICO should receive the updated and corrected report Trans Union sent me after they ended their investigation, and with that, Trans Union says FICO should update my credit report, in this case my FICO version of Trans Union, the only XXXX showing the terrible error of a missing payment to a XXXX, no matter the letter received from XXXX XXXX recognizes this error, and all the other documents previously submitted which will be submitted again, with additional documents too. FICO disagrees with Trans Union, saying through their representatives over the phone that Trans Union has to send them, FICO, the updated report or corrections they found on their investigation. FICO says is not that I, XXXX XXXX XXXX, have to send FICO the corrected Trans Union credit report after an investigation because of my complain to Trans Union, that is the reason of my complaint, because the FICO version of my Trans Union still shows the error, and Trans Union does not want to follow the procedure FICO says, and FICO does not want to receive my updated credit report received on the mail days ago, from Trans Union, so my FICO version of my credit report from Trans Union remains unfairly damaged, no matter all the evidence showing is unfair, and the FICO version of Trans Union is the XXXX used to approve or deny, or even limit credit applications, or existing credit, so is unfair from all angles. I am starting to think about the possibility of something else. Is Trans Union forced to pay to FICO, if they send the corrections of my report to FICO? Then, is that the real reason why Trans Union does not want to do that, no matter it is the recognized procedure? The error was originated at XXXX XXXX, the company which was previously administrating this XXXX XXXX, and no matter is not show on the current Trans Union credit report, it does show at the FICO version of my Trans Union credit report. The response Trans Union sent, according to what was read to me over the phone, does not answer any of my questions and complaints included, I ca n't include the response attached here, but you have the case number so you can easily see it and send it to Trans Union, along with this XXXX, in which I dispute and disagree with Trans Union 's response to this case. New documents, following the uploaded order helps.

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