Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX, I received a court document to resume to my maiden surname after being legally divorced in the State of Pennsylvania. I applied for a new driver 's license and social security card on XX/XX/XXXX. Once the documentation arrived, I began using my maiden surname as my legal last name since XX/XX/XXXX. 

I recently requested my credit report from the three credit bureaus ( XXXX XXXX & Transunion ) to check for any errors. I was able to easily obtain my credit bureaus from XXXX XXXX XXXX but not for Transunion, I had to take additional steps to request the report. When I received my XX/XX/XXXX credit report from Transunion ( File # XXXX XXXX, I noticed that it was still under my former last name. I was certain that I requested a name change update and submitted my documentation years ago, but thought perhaps they didn't update it yet. So I mailed a letter requesting that my last name be updated along with a copy of my drivers license, social security card and passport. I mailed these documents via USPS Certified Mail on XX/XX/XXXX ( Tracking number # XXXX XXXX. 

When I called on XX/XX/XXXX to get the status of my request, they told me that they did receive the documents however could not update my last name due to several accounts still reporting to Transunion using my former last name. I was worried that someone ( like my ex-husband ) was using my credit fraudulently and couldn't sleep well that night. The next day, on XX/XX/XXXX I called Transunion again to get a better understanding of what the previous representative was saying. I was transferred to a supervisor who told me that unless the two accounts with XXXX XXXX and the US. Bankruptcy updated their account to my current last name, there is nothing they can do. They told me that those three accounts were actively reporting to Transunion using my former last name. 

Due to financial hardship, I filed a personal bankruptcy in XX/XX/XXXX which was filed under my current last name ( with my former married last name mentioned ). I contacted XXXX XXXX  on XX/XX/XXXX and they informed me that there were no active/open accounts being reported to Transunion. The only accounts they have for me are an auto loan ( paid off in XXXX ) and a credit card ( discharged under my bankruptcy in XXXX ). The information Transunion is telling me is wrong therefore, I requested a letter from the XXXX representative to verify that my closed accounts are no longer being reported to Transunion. The XXXX representative stated that I would likely receive something in the mail in a couple weeks. 

I don't understand what Transunion is saying. Is Transunion requiring that XXXX bank re-open my two closed accounts to update the last name? When I called Transunion again to speak with a supervisor, I got very upset because they said that the letter from XXXX XXXX  wouldn't make any difference. They also told me that the documents I sent them are not helpful, since they insist that my former last name is my correct last name. 
This information is nonsense, since the XXXX XXXX credit bureaus, state and federal agencies have all issued updated identification cards with my maiden last name. Only Transunion is refusing to update their records and continues to use my former last name - which is inaccurate.

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