Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Santander ( then XXXX Bank ) made a banking error on XXXX XXXX, XXXX wherein they paid a bill from a closed account that, as it turns out, they never actually closed. We IMMEDIATELY paid them back but they insisted they were in the right and charged us an overdraft fee that snowballed into a few hundred dollars. I fought feverishly with them to make things right. Rather, THEY PUT ME THROUGH HELL, in fact, I 've NEVER experienced incompetence quite like this in my entire life. At some point, they removed the interest and some other part of the alleged total due, leaving {$97.00} on our account ( that eventually got charged off ). FINALLY, in XXXX XXXX, XXXX provided a letter stating NO DELINQUENCIES which I provided to Trans Union. Upon following up with them, I discovered that they 'd not removed the 'derogatory ' info. I contacted XXXX INNUMERABLE TIMES to let them know that the negative info still resided on our Trans Union reports. They instructed me to provide a copy of the XXXX XXXX letter, that that was all that needed to be done. Apparently not. From XXXX XXXX until XXXX XXXX, I filed XXXX disputes. In the interim, in XXXX XXXX, I actually got a 'LIVE ' employee at XXXX to work with me on this. She told me that if TU failed to cooperate, she would take care of it, but to first file another dispute which, as I stated, I filed XXXX. That was the last I was able to make contact with her despite attempting to call as well as faxing her numerous times. In fact, it was as though I 'd gone back to square XXXX. Meanwhile, all of the disputes with TU have yielded the same result : XXXX verifies the info reported as correct. Yesterday, XXXX XXXX, I called TU 's Special Handling Dept again and realized at that time that I 'd reached the end of the line in regard to getting ANY kind of resolution. Altho the FCRA allows for the consumer to be made aware of the dispute details, i.e., who the credit reporting agency spoke to, what was said, etc., apparently, TU has it all down to a sneaky science. Not only do they farm out the dispute handling to foreign countries, but they do not use human beings at all. As it was explained to me, the disputes are sent via " electronic portals '' ONLY. In other words, there is NO personal contact with the creditor whatsoever. The info is entered, sent, and that is it. The XXXX XXXX letter - XXXX & XXXX EVIDENCE PROVIDED BY THE CREDITOR - is not part of the dispute process. I was told that the letter does n't mean anything ... the creditor must verify the information regardless. SO ... this means that there is NO WAY POSSIBLE for us to get the information removed as each party - XXXX and TU - is married to its faulty practices and/or incompetence AND THEREBY IN VIOLATION OF THE FCRA. Our excellent credit is soiled with no solution but to file suit against XXXX parties -- unless you can help. What I have been put through over the past 3 years is beyond words ... all over a lousy bank error. It does n't appear that the new laws have much effect.