Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : New Complaint Against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a new complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their continued inaccuracies in reporting my payment history to the three major credit bureaus ( TransUnion, XXXX, and XXXX ). Despite my multiple disputes and conversations with XXXX XXXX representatives, the issue remains unresolved and has caused significant damage to my credit score and personal well-being. 

Summary of New Developments : XX/XX/XXXX : Received an email from XXXX XXXX XXXX, stating they would remove the negative marks. I filed disputes with all three credit bureaus, which temporarily removed the negative marks for a few days. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX added the XXXX late notice for XXXX back to my credit report, after previously removing the negative mark and confirming the error through both my dispute with XXXX and their email communication. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX added the 30-day late notice for TransUnion back to my credit report, after previously removing the negative mark twice and confirming the error through both my dispute with XXXX and their email communication. 

Please investigate this matter, as the information reported by XXXX XXXX has continued to change several times since my initial disputes in XX/XX/XXXX. The negative marks on my credit report have switched between XX/XX/XXXX and XX/XX/XXXX, been removed entirely, and now reappeared as a XXXX late notice for XX/XX/XXXX on my XXXX report and a XXXX late notice for TransUnion as of today XXXX 

I have been disputing this transaction since XX/XX/XXXX and have reached out to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX, an XXXX XXXX, who assured me that the problem would be fixed after I emailed the corporate investor email address regarding the incorrect 30-day late mark for XX/XX/XXXX. I have disputed the 30-day and 60-day late marks for XX/XX/XXXX and XX/XX/XXXX multiple times with XXXX XXXX customer service and XXXX XXXX. Despite their assurances, the issue remains unresolved. 

I have submitted several documents proving I made my minimum payment online in XX/XX/XXXX, and have spoken with numerous customer service representatives, level 2 managers, and level three managers. Despite the detailed notes taken by XXXX specialists and assurances that the negative marks would be removed, the issue persists. 

This ongoing negligence has severely impacted my credit, causing drastic point drops and immense stress on my XXXX XXXXXXXX, as I have been dealing with this issue since XX/XX/XXXX. It has also affected our home buying plans and led to the closure of one of my {$6000.00} credit cards that I have had for years. 

I kindly request that the Consumer Financial Protection Bureau thoroughly evaluate my previous statements, the new documents from today showing the re-added mark, and reinvestigate XXXX XXXX for their negligence. Please excuse any grammatical errors in this message, as I am a mother of a toddler trying to manage my family 's needs in the midst of this ongoing credit issue. 

I appreciate your attention to this matter and look forward to your assistance in resolving this persistent issue.