Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is in reference to credit bureau ( Trans-Union ), I had initiated dispute through XXXX XXXX on XX/XX/XXXX. Trans-Union readily accepts that they did receive the disputed entry on my credit report through XXXX XXXX on XX/XX/XXXX, and subsequently started an investigation to verify the validity of the records. As desperate and pressed for time as I was, I had to give the credit bureau the due time allotted to finish the required investigation. I have been constantly checking the status of my dispute online at XXXX XXXX 's website and also my email ( No Other Option Was Offered ). I did n't receive any notification from either XXXX XXXX or Trans-Union. As the required 30 days time frame required by law were over to either validate the information OR to remove the disputed entry on my credit report, I chose to call Trans-Union regarding the status of my report. <P/>I requested to remove the disputed entry on my credit report as it has been over 30 days and the status still says Under Investigation. Every customer service representative I spoke to could n't remove the disputed entry based on this unverified statement An email was sent on XX/XX/XXXX which no one could tell to whom it was sent to. My argument was : 1 ) I disputed the entries on my report through XXXX XXXX, which all 4 representatives accepted it as a valid and legal avenue to file dispute. 2 ) On the website it says In Partnership With Trans-Union with their registered logo, which gives the consumer confidence to treat it as Trans-Union approved site. 3 of the 4 representatives accepted XXXX XXXX as their sister company. 3 ) 30 long days went by, checking and rechecking the status, Online status to beUnder Investigation and checking my email regularly for status update. Online status to this day and to this very exact time of writing this complaint, still states that it is under investigation. 4 ) After the expiry of the allowed time of 30 days to investigate the dispute, I wanted to exercise the rights afforded to me by law as a consumer, and I requested to remove the entries based on 30 day time frame law the credit bureaus are subjected to. 5 ) I did whatever I was suppose to do as required by the law and waited 30 days for credit bureau to inform me about the outcome of their investigation, so why I am being penalized for their mix-up? To which they conveniently shift the blame on XXXX XXXX which is their business partner. 6 ) If the law applies to the consumers, then it should equally apply to the corporations like Trans-Union.
7 ) They gave no proof of sending me an email or any other form of communication to update me on my status, but yet blatantly refused to remove the disputed entry from my report which as I understand they are required by law to remove it. <P/>I expressed my frustration at fact that, no one wants to take the responsibility at holding their end of the agreement. At the onset it becomes very evident that it 's customer service representatives who have this prefixed mindset regarding consumers of Trying To Get Something For Nothing are accustomed to and are comfortable at treating them as second class citizen. This feeling was very fluid from the first representative to the last. Ignoring the humiliation and still trying to resolve the situation which was the ultimate goal, was met with You Can File A Complaint With Consumer Financial Protection Bureau. XXXX XXXX who is a supervisor at Trans-Union was particularly very vocal about letting me know of CFPB. <P/>The first 2 representatives told me that an email was sent to me on XX/XX/XXXX, at one point assuring me that he has conformation that I did receive the email. Knowing that I did n't receive the said email, I requested if he could resend the same e-mail again or give me some type of proof regarding the email was sent, to which the response was 'NO '. Now the story changes from me getting the email, to it was sent to XXXX XXXX and they are responsible to inform me about the status of my file. Then it changes again to not sure who the email was sent to as they do n't have the access to that information. Even the supervisors have the same denial attitude from the get go. Any expectation of supervisor would be more apt to look at the situation from a neutral standpoint is destined for ultimate disappointment. <P/>It is very evident that the business model is based on unresolved issues, which in turn forces the consumer to buy their credit monitoring service and unfortunately the desperation I went thru made me buy their product this morning just to find-out where I stand. When a customer first dials the toll free number, they are greeted with to the effect of ( Not Verbatim ) At the end of your conversation with the customer representative, you might be offered to buy the services provided by the Trans-Union. Turning down of the offer will not effect negatively the outcome of your case As a consumer/customer I do n't have access to the information regarding legal agreement and responsibilities between Trans-Union and XXXX XXXX. It 's criminal to subject a person to go through such demeaning experience. Why I am being penalized for Trans-Union 's lack of checks and balances in their system? I have owned XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX for over 20 years, and was always held accountable for all the companies and its employee 's action. It seems like credit bureaus are exception to this law. I am not asking or expecting any special treatment, but this Bulletproof Culture which is quite evident in credit bureaus is dangerous. <P/>It 's a sinking feeling to find-out a corporation with such a disregard for rules and responsibilities, who identify their customers by a number ( The Dog Tag Called - Social Security Number ) and treated no different, can drastically effect or dictate a citizen 's financial future. <P/><P/>Thanking You XXXX XXXX