Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've had several on-going issues with TransUnion. I 've attempted to resolve them multiple times and unfortunately, they continue to violate the FCRA as well as the federal bankruptcy laws. I 've sent them documentation ( list of creditors included in my bankruptcy ) and they continue to report fabricated information to my file. I have outlined the issues below : 1. XXXX XXXX XXXX-I had XXXX accounts with this credit union all which were included in bankruptcy. They are reporting XXXX accounts. In speaking to their representative, they have also included the XXXX accounts that were lost or stolen in XXXX, 2011. Long before I filed bankruptcy, these accounts were closed and new accounts were reissued. Therefore, they could NOT be included in any bankruptcy. The information listed under these XXXX accounts is fabricated. They are reporting as XXXX separate " Unsecured Loans ''. The account numbers are also fabricated. They were open on the exact same date as the original credit cards with the same balances and limits. This is disturbing to me that TransUnion feels that they can make up accounts in my name and report them to my file as included in bankruptcy even after I 've sent them a list of my creditors where it shows that XXXX accounts were included, no more, no less. This has been going on for nearly XXXX years now and I have suffered for that long. 
2. XXXX XXXX XXXX- Recently, Transunion decided to report the line of credit that was also included in my bankruptcy as a open account. An account discharged in a chapter XXXX bankruptcy nearly two years ago CAN NOT BE OPEN. I contacted TU on XXXX XXXX when I noticed the change, and the representative found my BK paperwork and closed it down. On XXXX XXXX, they claimed that the creditor contacted them and reopened it. This creditor has not updated these accounts since last year. What would possess them to contact them randomly and report inaccurate information? It did n't happen. XXXX changed this account as they continuously do every few months. I contact them at least every 3 months to get these accounts corrected. This is getting old. 
3. I 've had multiple credit files with TU and I had to ask for a year for them to combine them. They would pick and choose which one to send to the creditor that requested my credit file. This violates the FCRA as the information being reported must be complete and accurate. When they finally merged the file, I noticed my score dropped significantly. It was because the inquiries that hit my file last year due to fraud were never actually removed as the creditors asked them to do, they were simply placed on the second file. I had XXXX inquiries added to my report when I only had XXXX that were not fraud initially. 
4. I reached out to several creditors within my bankruptcy and asked them to remove their trade-lines, they agreed. I was advised to dispute them with all credit reporting agencies and they would respond by deleting the account. I did just that and just as they promised, they deleted the accounts from XXXX and XXXX, but have never received a dispute for deletion regarding TU. TransUnion is not processing my disputes correctly-either they are verifying my name and date of birth, address and SSN and that 's it, or they are not sending the disputes at all. 
5. I 've repeatedly asked them to provide me with their dispute procedure for each account, who they talked to, how they verified the account and they have yet to respond. They 've recently added verbiage to my file stating I have recent lates and caused me to be declined for credit line increases and credit. This is also fabricated and needs to be deleted from my file. I 've called and they claim that it is my bankruptcy that is causing the verbiage-my BK is 2 years old and it was never on there before, so why now 2 years later? 
6. I submitted a dispute on XXXX and never received results