Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion MISTAKENLY thought I was disputing valid, satisfactory account information from XXXX, which I was in fact NOT doing. I did send them a letter of various accounts that needed to report as " included in bankruptcy '' ( XXXX did NOT appear anywhere in this dispute or the list I sent them ). 

I 've sent letters, sent faxes, and made phone calls. In each case, TransUnion has denied responsibility for DELETING VALID INFORMATION. They claimed today by phone that they had contacted XXXX to validate or dispute the information, and that XXXX did not respond. How could XXXX have responded to something that was so incredibly wrong to begin with? 

I 've made several attempts to contact TransUnion and they continue to claim that I need to contact the creditor, XXXX, asking THEM to re-report the account. 

However, they ALREADY report the account faithfully in their monthly file upload to TransUnion, and TransUnion is incorrectly SUPPRESSING this positive/satisfactory information. 

TransUnion still will not take responsibility for DELETING my information from my report, despite my continued assertion that I never disputed XXXX. Why would I dispute something positive? Something helpful? Something that helps my credit report? 

I realize they are probably used to dealing with people who dispute info and want it deleted, but mine is the opposite case. They should never have deleted it in the XXXX place, and they refuse to put it back. They have told me that the creditor ( XXXX ) should " contact their TransUnion sales rep '' to sort out the problem. 

I do not believe it 's fair as a consumer to have to get involved in TU 's business processes or sales models, in order to correct a mistake THEY made. They steadfastly refuse to help me, and I 'm complaining to the CFPB hoping you can apply some pressure and get this resolved. 

I have spent incredible amounts of time and energy into resolving this issue, and I still believe THEY ( TransUnion ) simply mis-keyed something as a dispute ( they even almost-admitted it was the " XXXX Department of Revenue '' as listed on my bankruptcy matrix ), because there is absolutely NO reference to XXXX on the dispute ( see attachment called " XXXX '' and you will see no reference to XXXX in that fax whatsowever ). 

The attached image, " XXXX '' shows how it used to be reported by TU. 
The " XXXX '' shows what I wrote to them in XXXX 2015 and shows the bankruptcy listing of creditors ( which does NOT include XXXX as you can see ) ... this is what they based their dispute on ... yet there is no dispute here for XXXX. 

The " XXXX '' is what I received from them showing on page XXXX that they had DELETED the XXXX XXXX accounts that were satisfactory. 
I sent " XXXX '' by fax, followed by " TU-XXXX '' sent by XXXX. 

Their response is contained in " XXXX '' in which they say they ca n't fix my dispute because it " does not appear on my credit report. '' XXXX XXXX ... they deleted it! 

I spoke with " XXXX '' in their Special Handling department on XXXX XXXX, 2015, and spoke to her for XXXX minutes. She promised a resolution, but nobody contacted me. 

I again called on XXXX XXXX and spoke to an offshore-barely-XXXX-speaking guy from XXXX who took notes and promised a callback. 

I received a call today from " XXXX '' ( in the special handling department ) and we spoke for XXXX minutes, in which she basically assumed no responsibility and told me to begin contacting the creditor and asking them to talk to their TransUnion sales rep. 

I 'm at the end of my rope - please help!!! 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief