Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My Name is XXXX XXXX, My complaint is that I am being discriminated by TransUnion. I question them why my score is so low as they keep pushing me down with the incorrect information that they claim to investigate but take the consumers word as GOLDEN, while basically calling you a liar as XXXX belittled me over the phone today and rushing me off the phone. I am a hard working American and when I contact Trans Union I get someone who talks down to me and will not listen to a word I say and does not know I am very well educated. 

I have been down on my luck due to a bankruptcy in XXXX and I did not get it all cleaned up by my attorney and in XXXX I filed a XXXX XXXXXXXX. After a long discussion with my attorney we decided it was my best interest of my family to dismiss my XXXX XXXX 

I have asked Trans Union since it has been 7 years since the XXXX XXXX  to kindly remove it from reporting. They have ignored my request and after further review of my credit I see several mistakes. I have tried to address some of the incorrect information and Trans Union continues to treat me like a second class citizen. 

My next issue is with an account where I took out an online loan : Company name : XXXXXXXX XXXX : My online loan was {$1500.00} originally. It went from reporting {$1500.00} to {$4400.00}. This company put 4 late payments on me and never notified me when I dismissed the XXXX XXXX. They finally sent me an email last month and I agreed to settle the account for less which I will attach my payment history and the email the company sent me. When I disputed this with Trans Union they did nothing and continued to discriminate against me my dropping my credit score. 

My next issue with TransUnion is that I have 14 inquiries reporting on me. I spoke to a friend of my at a car dealership and he ran my credit and blasted it out without telling me. I called and XXXX would not listen to a word I was saying just wanted to rush me off the phone. I want these removed. 

I was denied an opportunity to purchase a home due to TransUnion incompetency and discrimination of pushing me down with their incorrect reporting. 

I wanted to dispute two accounts that are showing closed and I am currently paying on that has reinstated with me. I called and was trying to explain to XXXX but he kept rushing me off the phone as he could careless about my concerns. 

The first account I reinstated with is XXXX XXXX account number XXXX. I am paying on time since they notified me and I want this to report I am in good standing and never been late. As it starts from XX/XX/XXXX. 

My next account that I am paying on is XXXX XXXX XXXX XXXX. 
I been paying since XX/XX/XXXX and reinstated my self with this creditor. I want it reporting and never been late as the reinstatement started after XXXX XXXX dismissal. 

XXXX XXXX which I will attach email was written off and I paid the account off in full. See attachment at bottom. TransUnion never reported the good that I have done just the negative that they can push on me and the public. 

I am being deprived of owning a home due to TransUnion. Yes I have had credit problems in the past and I am working hard to redeem myself, but I find this company discriminating against me time and time again. I want this company exposed to other consumers of their poor practices and lack of empathy to support the consumer. Transunion employees dictated your future and this must stop in America. I am sure I am not the only person who is being discriminated against. 

Please help me get these issues corrected and the XXXX XXXX removed. I think I have suffered enough with TransUnions poor practices and unsupportive associates. 


Hello XXXX, Thank you for your XXXX XXXX XXXX  payment of {$32.00}. 

As a reminder, here are your remaining payments to complete your settlement and close the account : XXXX XXXX {$32.00} XX/XX/XXXX : {$32.00} XXXX XXXX {$32.00XXXX XXXX : {$32.00} XXXX  : {$32.00} XXXX XXXX  {$32.00} XXXX  : {$32.00} XXXX XXXX {$32.00} XXXX  : {$28.00} If you have any questions, please reach out to one of our knowledgeable representatives at XXXX. We are always happy to help! 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX  Email : XXXX Phone : XXXX Monday-Friday : XXXX - XXXX CT Saturday : XXXX - XXXX CT XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX  branded loans are made by XXXX XXXXXXXX XXXX XXXXXXXX doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and serviced by XXXX XXXX, XXXX, doing business as XXXX XXXX. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY XXXX XXXX XXXX {$490.00} Due on XXXX XXXX XXXX  Note : Below are all the MyAccount payments you've made. Payments that may have later been returned or declined will still be displayed. Payments made over the phone, by mail, through XXXX XXXX or XXXX, or using My XXXX Rewards points will not be displayed. 
XXXX XXXX XXXX PROCESSED {$490.00} XXXX XXXX XXXX Payment History Account Amount Processing Fee Date Method Action XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$590.00} {$0.00} XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX  -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Wed, XX/XX/XXXX at XXXX XXXX  Subject : XXXX XXXX XXXX - Settled In Full XXXX letterhead Account Number... XXXX Merchant Name.XXXX XXXX XXXX XXXX Outstanding Balance* ... {$0.00} Dear XXXX, Our records indicate that your XXXX  account has been settled in full. Thank you! 

Please retain this letter for your records. If you have any questions or need further assistance, please give the XXXX Department a call at XXXX. 

Please note this notice will be considered null and void if you do not meet the terms of your original agreement, or if a returned check or a credit/debit card chargeback is received after receipt of your final payment. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday To opt out of receiving email communication, please respond to this email indicating you would no longer like to receive email correspondence. Please indicate if you would like paper notices sent to your mailing address. 


TransUnion has really hurt me with their discrimination of myself and incorrect reporting. I was denied a home for my family due to this company. Please reach out if you need anything more such as my home denial letter, and snapshot of my poor credit score of XXXX with TransUnion. This is unacceptable and effects peoples lives daily and this company and employees could careless. You are a number and a statistic not a human being. 

XXXX XXXX XXXX

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