Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Problem 1 :  I have made several attempts to have  XXXX   # 1 rem ove incorrect information from my credit file , # 2 f orce  XXXX  to appropriately report on my file, and  # 3  validate debts, and finally  # 4  come into  XXXX   XXXX  Compliance with ALL accounts on my credit file.  XXXX  always resolves any investigation that I request with "  Debt Verified  '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading  one  such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their (   XXXX   XXXX   ' ) office. How then, could  XXXX  have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated  (  in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path  XXXX  has taken on every single dispute that I have submitted to them. I have attached the first  4 p ages of the report   XXXX   sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance :   XXXX     XXXX  acct #  XXXX    XXXX   Acct #  XXXX    XXXX   XXXX   Acct #  XXXX   XXXX   XXXX   XXXX  Acct  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX   XXXX  Acct #  XXXX  I have attempted to attach the copy of the letter the collection agency sent me (   XXXX   XXXX   ) stating the account  is  closed in their office (  XXXX  sent it back a s `` v erified '' and refused to remove from my credit file ).   Even the account numbers listed are partial and incomplete account numbers.    Problem 2 :  Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file disputes with  XXXX . On  XXXX  I called in to see why was it that my score dropped from  XXXX  ( dated  X/XX/17    ) to  XXXX  ( dated  X/X/17    ) and was told by the following agents that it was because I had filed disputes :  XXXX   ( agent  id #  XXXX  ),   XXXX   ( agent id #  XXXX  ), and supervisor  XXXX  ( agent id #  XXXX  ). To my knowledge filing a dispute does n't adversely affect your score. Why is   XXXX    punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and  XXXX   XXXX ? There were not any new activity that would cause  my credit score to  drop  XXXX  pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes?   Also, I have uploaded the latest letter that I have sent  XXXX   ( da ted  XXXX  ) trying to get them to come into  XXXX   XXXX  Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about  XXXX   XXXX  Compliance to the.

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