Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A previous complaint filed on XX/XX/XXXX against Trans Union - complaint # XXXX was left unresolved until recently. ( see Trans Union reply, as to possible fraud involved on XX/XX/XXXX. This new complaint is to verify, there is NO FRAUD or identity theft involved in the original complaint to be clear. Ive sent an abundance of personal information as to my identity and information thats more then necessary to move forward with the original complaint of Trans Union XXXX XXXX XXXX XXXX XXXX XXXX Trans Union credit report and also allowing an agent of theres, credit wise to report inaccurate and misleading information as well. Documents reviewed in my BJs XXXX credit card shows credit wise, used by Trans Union affiliated to mentioning that not having a mortgage or mortgage information is affecting my fico score. Some other information such as a bankruptcy filed in XX/XX/XXXX then XXXX in XX/XX/XXXX was directly related to a critical car accident and life threatening injury. Having to file that bankruptcy, I since regained my health and immediately began to rebuild my life including my credit. Since this time, Ive rebuilt my credit and have over {$6900.00} of available credit, very low usage of my credit cards and have excellent relationships with all my creditors. Last yr in XXXX I had my attorney file a petition to the bankruptcy court to remove this negative bankruptcy information from all my credit reports as its doing great harm to me both economically and financially. Both Experian and Equifax have honored this request as its going in XXXX yrs since this filing and per the court, bankruptcy notices can be removed after XXXX to XXXX yrs. Ive since fought off negative false reports on my credit report and have been extremely successful and keep a very close monitoring of my credit. I have Experian credit monitoring for fraud and any negative information that my arise. ( see paid account monitoring ) and updated credit information being monitored and secured as of XX/XX/XXXX. This response by Trans Union is misleading, false and unethical response to the original complaint Ive filed and provided several XXXX documents as proof of myself. XXXX filing this complaint again against Trans Union as they persist to report much lower fico scores as Equifax and Experian as of today ( XXXX ). Trans Union who continues to report the bankruptcy filed in XXXX, now over XXXX yrs old along with information such as not having a mortgage account is causing me to have a much lower fico score on my XXXX XXXX XXXX credit card of XXXX. This information is hurting me economically and financially by doing so, not allowing me to gain more credit or being denied credit and services by this negative impact that is not necessary. XXXX filing this report in hopes that the CFPB can assist me in getting XXXX XXXX to remove the bankruptcy of XXXX off my Trans Union credit report XXXX XXXX XXXX XXXX, which is now going on XXXX yrs old. By not doing this, this report sometimes comes up as XXXX potentially negative things on my XXXX XXXX credit report. XXXX as to having a potentially negative account, then mentioned again in public records section of my Trans Union credit report. When this happens, it immediately drops my fico score as though I have XXXX ( XXXX ) negative accounts which is false and misleading. Ive ran into this before and have filed complaints in past to this same issue. Every time I increase my fico score beyond XXXX, trans Union reports this information in this way that immediately lowers my fico score unnecessarily and wrongly. Hopefully with this new complaint against Trans Union, your assistance might assist me in getting them to remove this bankruptcy of going on XXXX yrs old off my credit report with Trans Union as its seen off of Experian and Equifax as I requested in a motion filed in XXXX. In addition to this complaint, I share this complaint portal with my son, XXXX XXXX. It should be Cristal clear that I, XXXX XXXX XXXX XXXX am filing this complaint on my own and will m NOT a victim of identity fraud or any fraud whatsoever. Ive attached enough documents to provide my identity, credit issues and relevant documents to such. Trans Union should have no issue in responding in a reasonable and ethical manner with professionalism and clarity.

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