Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried three times to get my Transunion report corrected, but each time it gets more inaccurate instead of getting fixed. In preparation to buying a house, I checked my credit report earlier this year or late XX/XX/XXXX. The only inaccuracy on my transunion report at the time was that it showed my XXXX  STUDENT LOANS as having been closed as part of the Chapter XXXX bankruptcy. This is not true. NO STUDENT LOANS WERE AFFECTED BY MY BANKRUPTCY. Im still paying them except for one which is closed because I paid it off in XX/XX/XXXX. There was a XXXX CREDIT CARD that was discharged as part of the bankruptcy but that is entirely separate from my XXXX STUDENT LOANS ( which were once serviced by XXXX aka XXXX XXXX XXXX aka XXXX aka XXXX ). I opened a dispute online with Transunion and tried to upload my supporting documents, but when I tried, the system said I had to mail them instead, which i did. The result of the dispute was that they marked the XXXX CREDIT CARD open and took off the XXXX STUDENT LOANS altogether. Neither of these items is accurate. 

In XX/XX/XXXX, I opened another dispute claim ( file # XXXX ) online. It showed an option to upload supporting documentation but, again, when I tried, it said it failed and that I would have to mail it to them, which I did via certified mail. This time, I included all of the court documenta from my bankruptcy PLUS a letter explaining PLUS my most recent account statements for my XXXX STUDENT LOANS PLUS a letter showing that in XX/XX/XXXX, my servicer changed from XXXX to XXXX. However, instead of my report getting fixed, they ignored my letter and subsequently misread or misunderstood the court documents because they incorrectly added to several more accounts the remark CHAPTER XXXX BANKRUPTCY and changed pay status to Account Included in Bankruptcy. Yes, the court documents required me to list every single debtor, but No, not all of them were discharged as part of the ruling. None of the student loans were discharged. Anyone who knows anything about student loans or bankrupties in the US should know this without having to even look at my court documents. Specifically, the following acocunts were NOT discharged or affected by my chapter XXXX bankruptcy : XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX SYSTEM # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX # XXXX ( opened XX/XX/XXXX ) and my private student loans with XXXX, which are not appearing on my Transunion credit report for a reason that Im unaware of. My XXXX report shows it correctly, but my transunion does not despite three attempts this year to get it fixed. The third attempt was made last week when I called TransUnion on the phone ( XX/XX/XXXX at XXXX XXXX easterni have a recording ). It was a very frustrating call. I will gladly provide you the recording if you want it. I dont understand why they cant get this right? Do they not understand the impact it can have??

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