Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My wife and I are currently going through a bankruptcy. Since our lawyer officially file the bankruptcy on XXXX XXXX XXXX XXXX our score had been approving. My score went from being in the low 500 's to the low 600 's. On Thursday the XXXX XXXX XXXX I received an email notification from XXXX XXXX  letting me know that my TransUnion credit score had dropped by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After checking the XXXX XXXX website I found out that my score was dropped because a creditor ( XXXX XXXX ) changed their name from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and as a result of this my score had dropped. 
Upon reading this I immediately contacted TransUnion to find out how and why a creditor changing their name would effect my score in such a negative way. The rep who answered my call assured me that she would escalate the problem so that we could get to the bottom of problem and told me that a specialist would return my call within XXXX. 
On Monday the XXXXXXXX XXXX XXXX I received a call from a TransUnion Specialist name XXXX XXXX. XXXX XXXX told me that I had a current dispute with XXXX XXXX ( which I didn't ) from XXXX and because of that dispute this account was not factored into my credit profile and that made my score dropped. I told XXXX XXXX that my wife and I are currently going through bankruptcy and there couldn't be any disputes with any creditors because I didn't initiate any disputes with any creditors because of the bankruptcy. XXXX XXXX then told me that the account in question is not included in my bankruptcy, which was also false. My lawyer XXXX XXXX assured me that all accounts past and present have been included. At the end of our call there was still no clear explanation as to why my score had dropped XXXX points. XXXX XXXX is giving me one reason and TransUnion is giving me another. XXXX XXXX told me to reach out to the creditor ( XXXX XXXX ) to get more in depth details about the dispute. 
On Monday the XXXX XXXX XXXX I reached out to XXXX  XXXX and was passed around to a couple of departments until I reached the account specialist department and spoke with a XXXX XXXX ( ID # XXXX ) who told me there is not current dispute in process for the account that was in question and assured me that the account had been charged off for some years now. 
On Wednesday the XXXX of XXXX I reached back out to TransUnion and spoke with another TransUnion specialist who told me that credit score had been dropped as a result of my bankruptcy being filed on XX/XX/XXXX. I said that made no sense because since accounts had been closed on my credit profile my score has risen. I also told her that my TransUnion score is the only one that has fallen since it's began to rise as a result of the bankruptcy being filed. My wife 's scores have seen an increase since the process as well. The agent told me the most recent activity was from XXXX XXXX account XXXX on the XXXX XXXX  XXXX. I received notification from XXXX XXXX that my account took a dive XXXX points because of activity that happened between XXXX XXXX XXXX XXXX, XXXX so what she's telling me makes no sense. 

As a consumer I'd like an explanation as to why my TransUnion account took a nose dive XXXX points. I've done nothing wrong I haven't opened any new lines of credit and I haven't applied for any new lines of credit. I'd like to know why XXXX XXXX is saying one thing and TransUnion is giving me multiple explanations. None of these explanations are making any sense to me and none of them answer my questions.