Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My week with TransUnion : TransUnion and CEO XXXX XXXX XXXX have policies that are reckless and harm consumers, encourage representative to lie to consumers and mislead consumers of products they offer. 

Unless you listen to the numerous phone calls, what i am about to explain may not be believable. Hours later I am still asking myself if the inconsistencies, lack of knowledge and complete ignorance is possible within a company like TransUnion. 

*First, I want to apologize for the language I may be using, but whoever reads this, if you have experienced what I have, I am sure you will understand. I rarely EVER lose my temper, but this entire process has been incredibly stressful and disturbing for me. 

I have purchased a TransUnion Membership to make sure of accuracy as I attempt to secure a large mortgage of {$600000.00}. 

*TransUnion is reporting a closed XXXX XXXX XXXX account that no longer exists with a {$8600.00} current balance-severely increasing my credit to ratio and lowering my credit score. 

My TransUnion Report is displaying ( 2 ) identical accounts with XXXX XXXX XXXX. 
Current Account balance of {$2000.00} Last reported XX/XX/XXXX Credit Limit : {$5300.00} Old account gives a current Balance of {$8600.00} last update was ( XX/XX/XXXX ) Nearly 2 yrs ago. 
The XXXX account that has not been update since XX/XX/XXXX was actually transferred to the other account reporting monthly. Anyone with half a brain can see this clear mistake. The XXXX XXXX account is not being reported by any of the other credit bureaus. ONLY TRANSUNION! I have filed numerous disputes about this. Informed TransUnion I was denied a mortgage and can not re-apply until that is corrected. 
I have filed ( 3 ) separate disputes over the last 2 weeks through TransUnion, talked to ( 7 ) representatives ( 4 ) different supervisors, all agreeing they can see that it is duplicated but refusing to remove it without waiting out the full 30-45 days. 

** I DONT HAVE 30 -45 XXXX days! I had to take the last tow ( 2 ) days off from work to make sure this is corrected, it is that important and urgent! 

This error is so XXXX clear and obvious yet these XXXX   refuse to update my report properly. 
I spent ( 7 ) hours on XX/XX/XXXX on the phone, being transferred, on holds, talking to different departments and today ( XX/XX/XXXX ) I was on the phone from XXXX ET to XXXX. 

Additionally, the membership TransUnion sold me, guaranteeing it was the most updated information and the same information a creditor would get is a freaking LIE! The XXXX report I pay for each month doesnt even provide the most updated information TransUnion has! I have copies of clear responses from TransUnion representatives and Supervisors telling me that once a creditor furnishes information to them it takes anywhere from 2-4 hours to update. Then after I complain that updates they received 2 days ago are still not updated with the report they sale me, the supervisor changes his story saying it MAY TAKE UP TO 3-5 days But I then inform this supervisor it has been ( 9 ) days since they received an update and that information still does not update on the credit report they sold me. At this time, he has no response. Yes, I deliberately held back some information because I had a feeling I would be provided with untruthful statements. 

Therefore, besides refusing to delete a duplicate account that is preventing me from closing a mortgage TransUnion lies about the products they sale consumers.

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 non-monetary relief