Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
Early in XXXX I was buying a car so I pulled a copy of my credit report and found a collections account had been added with a balance of {$10000.00}. XXXX XXXX XXXX is the Kansas collections agency that reported the account in collections. However, I learned that the original provider failed to submit the procedure to the correct insurance company. 
I contacted the original provider to advise them of the mistake and provide with correct insurance information. 
I contacted XXXX XXXX to advise them of the mistake ; they said they will contact XXXX XXXX, the orignal provider. 
I then submitted a dispute with Transunion online, and received a confirmation via email that my dispute would be investigated and I would be advised of the results, usually within 30-45 days. ( Email confirmation from TU is attached ) This summer, I still had not heard back to Transunion so I went online to check status of my dispute. My credit report showed no indication that the {$10000.00} collections account was under investigation. It showed that the collections account had not been updated since XXXX, but in comments it did not say that it is under dispute. My personal experience is that TU notates the account when it is being disputed. However, when I called XXXX XXXX to find out why they are still trying to collect {$10000.00}, they advised me they had sent a notice to TU to let them know the accounts needed removed ( both from XXXX XXXX, both original lender was same ). The original credit has cancelled those accounts. Therefore, for those accounts to remain on my credit report showing over {$10000.00} in unpaid medical bills is false and they should have been removed months ago. 
But I am trying to follow the appropriate chain of command. So I filed another dispute with Transunion for those accounts, and confirmed that I had previously requested an investigation and did not ever receive results from it. The 2nd dispute was filed in early XXXX XXXX. 
Today, I logged into Transunion because I expected to see the XXXX XXXX accounts removed as of the XXXX credit update. But instead, I found that the XXXX XXXX accounts still have no indication that they are under investigation or have been disputed. ( Portion of credit report showing XXXX XXXX XXXX accounts is attached ) This time, I decided to call Transunion to find out the status,, as it has been over 6 months with no resolution. Upon navigating the voice response telephone system, and entering my credit report ID number, the system asked me to please hold. I held for about 10 seconds- I heard a busy signal for a few seconds then I was disconnected. Their system had hung up on me. Thinking perhaps I made a mistake, I attempted it again. And once again, right after I entered my credit report number, the system disconnected our call. 
So, I have no resolution to a dispute after 6 months in which the collections agency is no longer handling those accounts, the accounts have been cancelled out. Yet my Transunion credit report still shows I owe over {$10000.00} to XXXX XXXX. And to this very day, those collections accounts STILL do not indicate that they are being disputed ( despite my re-submitting the dispute 40 days ago ), which means that if I submitted any new credit inquiries, they would include the fraudulent and false information about my debt to XXXX XXXX. 

I have been entirely unable to get a satisfactory response from Transunion to my dispute. In fact, I have been unable to get a response at ALL from Transunion. I find this incredibly unprofessional and for the last 6 months they have maintained an incorrect account on me. Because the {$10000.00} account is not noted as under investigation it has factored into my credit score every time I have requested a hard credit pull. I got a car loan in XXXX but I was approved at a double-digits interest rate due to this significant mistake on my credit report. At this point, Tranunion 's refusal to update the XXXX XXXX accounts or complete the investigation is a violation of my rights as a consumer and has/will cost me THOUSANDS of dollars from higher interest rates, insurance premiums, etc. 

I am prepared to seek further legal recourse against XXXX XXXX XXXX as well as Transunion for maintaining a fraudulent and incorrect credit history on me, especially because their refusal to maintain accurate information has had financial implications for the past 6 months and until the day that those erroneous accounts are removed. I have an attorney who works with consumers especially when it comes to fair debt collection and consumer 's rights, perhaps this ought to go to court so no one else is harmed by Transunion 's failure to properly investigate and resolve disputes. 
However, I am once again trying to navigate and use proper chain of command by requesting help from the CFPB too ; I can not even get a phone call through to Transunion to attempt to correct this issue directly with them. I have also filed a complaint with the Kansas Attorney General against Transunion.

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