Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Back in   XX/XX/XXXX   a delinquency was added to all  XXXX  of my credit reports. My score dropped from an  XXXX  and   XXXX    XXXX  to  XXXX  and   XXXX    XXXX . Recently, as of  XX/XX/XXXX , the delinquency was removed from all   XXXX    credit agencies. Im assuming this was due to the new standards in which debts are added to your credit report as of  XX/XX/XXXX . Between  XX/XX/XXXX  and  XX/XX/XXXX  the same delinquency was re added to my transunion account causing my score to drop  XXXX  points. I have already contacted Transunion about this issue ; was on the phone with them today for hours getting the run around. I Spoke to several of there reps and supervisors whom were unable to explain the mishap let alone correct it. One in particular supervisor in the special handling department,   XXXX   XXXX  , was extraordinarily rude saying it could be I missed a payment. When I explained I never miss a payment, she went on to point out that only  XXXX  credit card agency had reported to them at this time and the other   XXXX   had not. This upset me to say the least because if a credit agency had not reported to them as of yet how exactly would that effect my report?! I argued how much nonsense that was and was told the delinquency was never removed or readded. So she proceeded to talk to me like a customer trying to lie and pull a fast one. I felt as though she was insulting my intelligence. When asked if I could speak with someone else she proceeded to say she was a supervisor and there was no one else. I had to hang up and call back. This go round I was told that on their end my credit report was n't showing a   XXXX   point drop and they had no way of checking the history as they can only see the updated account info. When I pointed out that it was showing on the website I was given the excuse that the website calculates the score using a different system so it could show different score by a few points ... Well   XXXX   points is a rather big difference and if I 'm checking the transunion score online and calling to speak with transunion, there should not be a difference in what I see and what they see as far as score is concerned. This is a serious matter, were talking about credit agencies whom make and or break my ability to get a car, credit card, apartment or loan. When contacted about an issue I should n't get an " I do n't know '' or a speculation of what may have occurred. the credit agencies should be able to give exact information. I could understand if a new delinquency was added, as it would be self explanatory. But I only have one delinquency. So if not this then what could have cause the sudden change? Im currently in the process of moving and now have to hold off and figure out what 's going on before I apply for a new apartment or I risk being denied ... Unacceptable.
Below are a few screenshots added showing the discrepancies. If the account was never removed why would it show a s of  XX/XX/XXXX  not to be  present then resurface again after?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation