Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX account on my Transunion credit report contains fraudulent information. I have filed several complaints with Transunion and XXXX XXXX. Still, not any of these issues have been corrected. Transunion is allowing this company to report fraudulent information towards me. XX/XX/XXXX, I filed chapter XXXX bankruptcy. The XXXX account was included in the bankruptcy. On XX/XX/XXXX, the trustee located in XXXX, Al., XXXX XXXX XXXX, started making payments to XXXX. On XX/XX/XXXX, the final payment was made. I paid the principle amount for {$2100.00} and {$230.00} in interest. I 've filed several complaints with Transunion, only to hear they completed their investigation, and everything on my Transunion credit report was correct. In other words, Transunion probably contacted XXXX and they believed the lies and false documentation XXXX provided. Had Transunion done a thorough investigation like they should have, they would have seen I 've been making payments since XX/XX/XXXX. Bankruptcy is public record. All Transunion had to do was pull a copy of the bankruptcy. The case number is located on my Transunion credit report. The XXXX account was closed on XX/XX/XXXX, according to Transunion. Why was the account closed 4 years before it was paid off with interest? Does Transunion just believe whatever companies tell them? Why do I have a delinquent and derogatory mark against my credit report. The last complaint I filed with Transunion about this issue, I was told not to file " frivolous '' reports again. I 've filed complaints with every federal agency against XXXX XXXX. They would never respond to the requests. I spoke with a lady named, XXXX, in the XXXX bankruptcy department. Was nothing but a waste of time. However, had Transunion done their job, I would not have gone thru this for about 2 years. I really do n't want to hear how you have so many complaints, it 's hard to keep up. You affect people 's lives by not providing accurate information. I 've been thru XXXX awful divorces, which has caused my credit to suffer enough. This bankruptcy is finally completely paid off, around {$56000.00} worth. The case number is XXXX. The name is XXXX XXXX XXXX. The case was filed in XXXX, Al. Another question, after you look at my bankruptcy case, and I 'm sure you will do it this time around, why is the XXXX account, the only account still on my credit report? All of the other accounts included in the bankruptcy have been removed. XXXX more quick issues. First, the Transunion report has me employed at XXXX. I 'm XXXX years old and have never worked at XXXX. Second, someone has reported fraud towards the Transunion report. I did not report this. I 've tried calling Transunion customer service. Not sure which country Transunion uses for these jobs, but I cant understand them.

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 non-monetary relief