Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have been trying to refinance our mortgage since XX/XX/XXXX, found some inaccurate reporting on a few accounts, disputed them on XX/XX/XXXX and got them corrected. All accounts disputed were corrected by XX/XX/XXXX. We were about to close when a credit check was pulled just prior to doing so only to find that a new issue regarding inaccurate reporting for my student loan XXXX XXXX ) with only one major credit bureau, TransUnion, kept us from doing so. It is now XX/XX/XXXX and we have been put into " inactive '' status with our loan company, lost our original percentage rate and have to start the process ALL over again once this inaccuracy is finally cleared up. 

I have contacted TransUnion as well as my student loan company, XXXX, only to find out from XXXX that they have not reported this new negative information now showing up on my report. It seems as though TransUnion took it upon themselves to " update '' the information showing my student loan as " {$0.00} '' balance, included in Bankruptcy, and dilinquent '' due to the prior dispute submitted on XX/XX/XXXX. I had filed for and had a Chapter XXXX Bankruptcy discharged on XX/XX/XXXX. By law, you must also list your student loans but these are virtually impossible to have forgiven. Mine were not and I have the letters to prove that. They were not discharged, I still have a loan with XXXX in good standing, with a balance and ZERO delinquency. When I filed the first dispute in mid XXXX regarding the three other accounts, I had to provide the full schedule. It seems as though a TransUnion representative took it upon themselves to change my report due to the listing of XXXX on the schedule without actually checking with them ( XXXX ) to actually make sure or validate any current standing. Had they done so, and several representatives and supervisors have said this, they would not have reported what TransUnion is currently reporting. ( Also note, I am providing the very first dispute documentation faxed on XX/XX/XXXX regarding the three accounts that were reporting inaccurately. You will notice I did NOT ask them to look into XXXX as it did not need to be, nor changed or corrected as it was already correct. The accounts I disputed were XXXX, XXXX XXXX and XXXX. You will not see my request for XXXX, proving further they should not have done this. Mind you, I did the same for XXXX and XXXX and neither of them changed the XXXX  account. They are still reporting accurately. ) I have been in touch with several individuals at XXXX, one amazing one in particular, XXXX, who was able to escalate my issue to one of their credit reporting representatives on XX/XX/XXXX, who then submitted the updated, correct information that should be reported for me. I have called every day, including today and they continue to tell me that the dispute is still unresolved, that they are waiting to hear back from the creditor ( XXXX ) and that I have to wait until XX/XX/XXXX until the 30 days is complete, and then another 5 or so business days after that to hear back. I can no longer wait on this incompetent company as we are already losing out on hundreds of dollars that we should have been saving the past two months with our refinance. 

This system is royally rigged for consumers as we have to dispute with this company and that, wait so many days and possibly not even have it resolved, only to put us right back in the same position to start yet another 30 day run around. I have several letters proving that my account is open, with a balance, not included in a bankruptcy or delinquent ( as they are reporting ), which is keeping us from closing on a loan we should have by the end of XXXX. Enough is enough. We need a better system and the consumer public should be protected so much more than we currently are if we are going to have almost every major decision we are afforded weighed on FICO scores, which often prove to be incorrect. These bureaus should not have such power, especially when documented proof after proof is provided. They should not be allowed to take it upon themselves to change information without first thoroughly checking with each and every creditor to make sure such reported information is actually valid and accurate before ruining peoples lives and futures.

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