Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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   XX/XX/XXXX  I ran my credit report from this agency. On that date the agency reported my credit   score to  be a  XXXX  according to their  FICO  calculation method. On   XX/XX/XXXX   the agency reported my  credit score  to be  XXXX  except according to their same report nothing had changed  EXCEPT  that, 8 months previously I had a late payment on an account.     I immediately printed my report to look for the offending account, so I could dispute it as I HAVE NOT had any late payments on any accounts in years. When I printed it, there was nothing. No new accounts had been posted showing late payments, no old accounts had been posted showing a late payment. Everything on the report was EXACTLY AS IT HAD BEEN on my   XX/XX/XXXX  r eport EXCEPT tha t   XXXX    credit inquiries had been removed and my revolving balances had decreased by {$13000.00}.     I then Called my report provider and asked them if there had been a report update, they asked that I wait until   XX/XX/XXXX   to see the next report ... I did. At this point my report was EXACTLY as it had been on   XX/XX/XXXX  , except   XXXX  i nquiries had been removed and my balances had decreased by {$13000.00}, yet there was still the erroneous report that 8 months previous I had made a late payment and therefore my score had decreased ... YET THERE WAS STILL NO BALANCE ON MY REPORT REFLECTING A LATE PAYMENT!     I immediately called Transunion and spoke to a  manager in the " Special Resolution  Department '' name  XXXX   XXXX . I asked  XXXX   XXXX   XXXX  why my report was stating that I had a late payment 8 months ago and she said " I would have to give her an example ''. I told her I could not provide an example because the report that her agency provided to me did not show an example. She then said " You have a bankruptcy '' to which I replied the bankruptcy had been on my report since   XX/XX/XXXX .   She then said I had a " collection account " that I then replied had been on there since   XX/XX/XXXX  as well. She then admitted " there is no late payment on your report but ANYTHIN G can affect your  credit score.  I ca n't tell you why we are reporting there is a late payment on your report unless you give me an example ''. I then reminded  XXXX   XXXX   XXXX  that her agency did n't provide an example in its report that I could show her and she said " all I can do is send you a credit report but there is nothing I can do for you ''.     ON   XX/XX/XXXX   I RECEIVED THE FOLLOWING : We have reviewed your complaint along with the information you previously provided regarding this issue. Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. Once a financial institution request a report from a credit reporting agency, the score is then calculated and provided based on the information contained on your report at that moment. Credit information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. Please be advised not every creditor reports to all   XXXX   bureaus and this may also cause a difference in scores. Since all scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to you on   XX/XX/XXXX , p lease review and provide us with the exact information you believe to be inaccurate. If you have any further questions, please call us at  XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX   ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report.     THE COMPANY COMPLETELY IGNORED THE DETAILS OF MY INITIAL REQUEST AND WAS ALLOWED TO CLOSE THE COMPLAINT WITHOUT ADDRESSING THE 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 explanation