Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I submitted CFPB complaint # XXXX regarding adverse information on my TransUnion credit report. At the time, I supplied extensive documentation as to why this adverse information is BOGUS. 

On XX/XX/XXXX, I received a response from TransUnion stating that the XXXX/XXXX  account you disputed is no longer appearing on your TransUnion credit report. 

At the end of XX/XX/XXXX, both XXXX XXXX XXXX and XXXX reported that my credit score had recovered to XXXX from a low of XXXX. I thought the issue resolved. 

However, today, XX/XX/XXXX, I have learned that my credit score has cratered again. A review of my TransUnion credit report shows that apparently the SAME adverse credit information has reappeared albeit under a DIFFERENT NAME. Apparently this is a TransUnion version of whack-a-mole the adverse information has NOT gone away, it just pops up under a different name Again I will summarize why this adverse information is BOGUS and should therefore be removed from my credit report : 1| On XX/XX/XXXX, an UNAUTHORIZED payment of {$680.00} was made to XXXX  XXXX XXXX DBA as XXXX by XXXX . I have disputed this payment ( on behalf of the company - see 3| below ) with XXXX ever since. By XX/XX/XXXX thru my efforts NOT XXXX I convinced XXXX XXXX to return the ENTIRE {$680.00}. XXXX not only provided NO HELP in recovering this money, XXXX has refused to apply this money and square the account. Note that this money was returned IN ITS ENTIRETY some FOUR ( 4 ) months before the original adverse credit information appeared on my TransUnion credit report. 

Note : This entire fiasco is documented in great detail in the documentation submitted with CFPB complaint # XXXX on XX/XX/XXXX. 

2| Currently, this XXXX account has a balance of {$650.00} ( see the XXXX Account Summary document ). The difference between the original UNAUTHORIZED charge of {$680.00} and this account balance is due to the fees imposed by XXXX on the money refunded, i.e. {$28.00} ( or {$4.00} x 6 ). This remaining difference between the collection amount reported and this account balance is due to interest assessed by XXXX ON A CHARGE THAT SHOULD NEVER HAVE OCCURRED.

3| Additionally, regarding the adverse credit information, TransUnion reports the Responsibility as Individual. This is INCORRECT. The XXXX account that is the source of this dispute is a BUSINESS account associated with an Indiana Corporation ( see Account Type in the XXXX Business Account Profile document ). This dispute is between the company and XXXX NOT ME individually. My connection to the company is that I am the recipient of the email address ( see Email in the XXXX Business Account Profile document ) associated with this XXXX account. 

4| Finally, I have NEVER been contacted by the entity reporting this adverse credit information. And, if TransUnion would bother to review its own report, it will note that I always pay on time - THERE IS NOT EVEN A SINGLE LATE PAYMENT on the credit report! Given this, TransUnion should view this negative credit information with suspicion. It is distressing that TransUnion would trust the word of one entity  versus an overwhelmingly outstanding credit history that I have compiled over the years. 

The proper questions here are : 1| Why will XXXX NOT acknowledge that the original charge was UNAUTHORIZED? 

2| Why will XXXX NOT acknowledge that the money was returned IN ITS ENTIRETY from the vendor? 

3| Why is XXXX pursuing me individually for the debt of a company business? 

TransUnion should ask XXXX these questions before it destroys my credit rating. I would certainly like to know the answers.

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