Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am in the process of getting my credit reports back up and in correct reporting operation because I am trying to do better with my credit. Not to mention at XXXX years old I now want to own property. anyways ; I was a victim of identify and with all of that being said I am now under credit monitoring with all 3 credit bureaus. I look at the reports to find out that this furniture co. called XXXX XXXX has my acct. still posted as charged off and refuse to submit updated info that I have been now paying on the same acct. that XXXX reported charged off. I think that is totally unfair to keep me penalized for something that I am now trying to make good on. furthermore ... I think its is only fair the XXXX now submit updates info that I have renegotiated another deal with their company to get the debt that had charged off to now status of going towards being paid off and has being paying as agree. XXXX refuse to do update reporting whereas as I am as a paying citizen am entitled as earning credit status towards paying off. XXXX XXXX can care less that this method they are doing to me is indeed hurting me. 

I am now mad about this and want to now return their furniture and leave the acct. just charge off. I have been paying this company now again for almost close to a year and they refuse to give me a decent credit score an report that I am now re- established credit or at least open me a new acct # whereas they can now report my credit status with their company whereas it shows that I am now in the process of paying this old acct. they have listed as charged off acct. with change status as being up to date and is currently making payments. I feel I am being do wrong and that XXXX is breaking laws by holding me back with their XXXX! 

email I sent to XXXX Customer service rep. Her name is XXXX XXXX XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to XXXX Hi XXXX XXXX XXXX. 
I wanted to contact you in reference to my credit rating with XXXX XXXX? 
apparently XXXX XXXX has me charged off on the credit bureau reports and Im very upset by that because Im paying you guys money and have been paying you money for almost over a year somewhere close to a year of not over a year? Bill should be somewhat close to being almost paid off I mean seriously? 
Im really disappointed at the fact that nobody has reported and told the truth not updated my information with all credit bureaus ... However ; being that all three credit bureaus contacted me and I saw no currently updates Ive decided to file a disputed issue about XXXX not updating that they are receiving current payments. This is unfair. 
so XXXX XXXX will be getting notified about a dispute because nothing has been updated and I dont think I deserve this at all. You all need to go ahead on and update my credit reports I did re- establishment credit and did get things started back off with you guys again plus I renegotiated a payment I can afford to pay off my bill. With that being said, that stuff needs to be updated thus fairly documented. I can not believe this! I am so hurt over that I have worked so hard to try to bounce back with your company. The credit report rating is very unfair and very untrue Im hoping you can get in touch with the necessary party to fix that and have them update my information? 
look at this attachment that I am sending you thank you so much have a good week. 

XXXX email XXXX XXXX XXXX XXXX XXXX ( 10 hours ago ) to me XXXX, Thank you for contacting us. 
The account that we have in our office was charged off XX/XX/XXXX for non-payment. Yes you have made payment arrangements to settle the account, but once an account is charged off, it will only be reported in one of two ways, charged off or paid in full. 
We still show a balance of {$900.00} with the last payment having been made on XX/XX/XXXX. So in short, your account is reporting correctly as there is an unpaid balance on a charged off account. 
If you have indeed submitted a dispute, we will handle that through the appropriate channels.If you do have any additional questions, feel free to contact our office. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX XXXX office XXXX fax XXXX XXXX