Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to express my profound concern regarding the seemingly biased representation of my financial records in favor of XXXX  XXXX XXXX on my credit report, managed by your agency. This has precipitated a series of challenges and setbacks, both personally and financially, causing me undue distress. 

On XX/XX/, I had extensive interactions with a XXXX  XXXX XXXX representative to finalize the closure of my checking account and XXXX  XXXX XXXX XXXX credit card. I promptly settled the outstanding amount of {$260.00}, and received confirmation that the account and card would be duly closed. However, much to my shock, in XX/XX/2022, my credit report issued by TransUnion indicated a delinquent late payment related to the credit card I believed was already settled and closed. 

In search of clarity, I approached XXXX  XXXX XXXX on XX/XX/2022. It was during this interaction that the bank conceded an oversight in the closure procedure, leading to the erroneous mark on my credit profile. They informed me of their intent to resolve the issue and assured an internal investigation. However, my follow-up endeavors for updates were met with deafening silence. It was only after involving the Consumer Financial Protection Bureau ( CFPB ) that I received any semblance of acknowledgment from the bank. 

During this period, the behavior of XXXX XXXX XXXX, the designated enterprise specialist, was particularly disappointing. Her lackadaisical attitude towards my genuine concerns was evident in her delayed responses, which arrived only at the brink of the CFPB-imposed deadline. Most shockingly, the bank 's ensuing internal investigation not only negated the wrongful closure of my account but denied the existence of my business account with them. 

Further compounding my frustrations, a letter from XXXX  XXXX XXXX dated XX/XX/2022, made the contradictory claim that my credit card was closed upon my own request and was subsequently labeled delinquent. This directly conflicts with prior communications and the very essence of my interactions with them. 

The cascading effects of these inaccuracies on my TransUnion report are profound. A glaring example is XXXXXXXX XXXX decision to terminate my credit cards because of the unjustified delinquency. Furthermore, this tarnished credit report now poses a significant hurdle for my impending mortgage application. 

The apathy and unprofessionalism I've experienced from XXXX  XXXX XXXX are deeply troubling. However, my grievance with TransUnion lies in the unquestioned acceptance and reporting of this incorrect information without due diligence. I not only seek an immediate rectification of this oversight but also urge TransUnion to conduct a comprehensive review to ensure such errors are not replicated in the future. This should certainly include the removal of the erroneous delinquency mark from my credit report. Moreover, given the distress and inconvenience I've endured, a formal apology from TransUnion would be appropriate. 

If my concerns continue to be disregarded or inadequately addressed, I am fully prepared to consider all available legal avenues to safeguard my rights and rectify my credit standing.