Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sometime in the last week of XX/XX/XXXX, I was applying for a car loan and I checked my credit rating thru XXXX XXXX XXXX. XXXX XXXX XXXX uses Transunion for free credit reporting of its clients. Transunion reported a rating of XXXX purportedly because I have an unpaid account with XXXX XXXX pending since XXXX but which was actually resolved way back in XX/XX/XXXX, in consequence of the case I filed with this Consumer Financial Protection Bureau docketed as CFPB Case No. XXXX ( in re XXXX XXXX, Account No. Ending in XXXX ). In that case, XXXX, in its letter dated XXXX XX/XX/XXXX ( attached ), admitted fault and refunded to me the amount of {$130.00} and issued a Universal Form AUD # XXXX requesting the major credit bureaus, INCLUDING TRANSUNION, to DELETE ALL DEROGATORY INFORMATION regarding the XXXX XXXX, Account No. Ending in XXXX FROM MY PERSONAL CREDIT HISTORY. Clearly, Transunion was informed that this account should be erased from and should not appear in my personal credit history. 

When I called Transunion to explain that the credit report was a misunderstanding and long settled and that I even have a letter from XXXX, they said they will correct their record within 30 days. I even offered to provide them the letter of XXXX XXXX but they said IT WAS NOT NECESSARY. I told them to check the info from the other credit bureaus but they ignored this request. 

However, Transunion later informed me that while they confirmed the settlement, they REFUSED to remove the derogatory information from my personal credit history and even claimed that it is necessary to remain because I am a continuing credit risk ( they acted only when I disputed in XX/XX/XXXX ) thereby MALICIOUSLY DISREGARDING the fact that the matter has LONG BEEN SETTLED and that there was a UNIVERSAL instruction/request issued by XXXX XXXX  ( which reported the incident to the credit bureaus ) to thereby KNOWINGLY perpetuate a FALSE derogatory information in my personal credit history. 

Consequently, Transunion, maintaining that I am a credit risk despite having no other record and acting only when I complained/disputed their FALSE reporting, adjusted my credit rating to only XXXX, even while the other credit bureaus have removed the derogatory info from my personal credit history and given me MORE THAN XXXX rating. Since some of the bank lenders use Transunion, those banks rejected my car loan application because of the FALSE derogatory information provided by Transunion. 

I understand that credit bureaus whose business for profit is to report on the credit history of consumers, have the obligation to maintain correct, accurate and up to date credit reporting because the deleterious effect of a wrong reporting on the consumer. Under civil law, credit bureaus can be sued for damages for erroneous reporting of credit. In this case, Transunion perpetuated a FALSE reporting ( until XX/XX/XXXX when I disputed the report ) by reporting a non-existing unpaid credit against XXXX and disregarding a known request from XXXX to remove the derogatory information from my personal credit history. In fact, in utter bad faith, Transunion REFUSED to heed the request of XXXX XXXX and ignored my advise to send them a copy of the letter of XXXX XXXX  and to check the records of the other credit bureaus.

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