Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to report what I believe to be unethical practices by TransUnion, which have caused significant negative repercussions to my credit report over an extended period. Approximately two years ago, I retained legal counsel to address a dispute with XXXX, a company known for engaging in predatory practices that target uninformed consumers by binding them into long-term contracts. At the outset of this legal matter, my attorney issued a formal letter to TransUnion requesting the removal of derogatory information related to this dispute from my credit report. This request was based on the grounds that the contract in question was under legal dispute and that reporting such derogatory information would be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the letter cited provisions of the FCRA ( 15 U.S.C. 1681 ) in conjunction with the Fair Credit Billing Act ( 15 U.S.C. 1601 ), which collectively state that when an alleged debt is disputed and the debtor is represented by legal counsel, the creditor is prohibited from reporting the debt as delinquent. Despite the ongoing dispute and TransUnion 's awareness of the matterevidenced by their communication with XXXX over the past two yearsthey have continued to report negative information on my credit report. Notably, upon receiving my attorneys initial request, TransUnion previously removed the derogatory items from my credit report, demonstrating that they were capable of addressing the issue appropriately at that time. For an extended period, TransUnion refrained from reporting the derogatory items, and this issue did not interfere with my ability to refinance my primary property. During the negotiation process, arrangements were made for a lump-sum payoff related to the XXXX property. However, XXXX proved uncooperative and declined to provide clear account details. Ultimately, I had to access their online portal to ascertain the balance due. A payment, in the form of a check issued to XXXX, was sent to satisfy the amount they indicated was owed. 
During this time, other creditors were paid in full, leading me to believe this matter had been resolved. At no point during this period did TransUnion report the account as delinquent. However, several months later, I received a notification through my XXXX account indicating that a derogatory mark had been placed on my TransUnion credit report. This occurred after my refinance had been completed and long after I believed all issues had been addressed. Upon further investigation, I discovered that TransUnion had reported a derogatory mark on my credit report. Additional research revealed that XXXX had received payment, but instead of applying the funds toward the account balance, they allocated the payment to past fees and charges. Consequently, XXXX resumed reporting the account as delinquent to the credit bureaus. TransUnion, in turn, reinstated derogatory marks on my credit report. My attorney has sent multiple formal correspondence to address this issue, yet TransUnion remains the sole credit bureau reporting these derogatory marks. Despite numerous requests and additional letters from my attorney, as well as hiring a third-party company to facilitate the removal of these marks, TransUnion has consistently ignored these requests and continues to report this matter as delinquent. I now receive monthly notifications regarding this issue, which remains unresolved. 
I attempted to initiate financial transactions but encountered significant inefficiencies due to actions taken by TransUnion. Notably, TransUnion is the sole credit bureau contributing to this issue, which has caused considerable frustration. It is deeply concerning that TransUnion appears to disregard consumer interests, particularly when a contract is under legal dispute. Despite the ongoing dispute, TransUnion has continued to act in alignment with the interests of a company widely criticized for questionable practices, including the alleged exploitation of uninformed consumers. TransUnion has repeatedly issued letters stating that XXXX has " confirmed '' the debt in question. This confirmation is not surprising, given XXXX apparent disregard for legal boundaries, as evidenced by its treatment of consumers. TransUnions continued cooperation in this matter, despite its awareness of the dispute, raises serious concerns about its practices. I formally request that TransUnion acknowledge this dispute, which has been ongoing for an extended period. I have made numerous attempts to communicate this matter through various channels, including correspondence from legal counsel explicitly stating that the disputed item should be removed from my credit report. Despite these efforts, TransUnion has consistently ignored the core of my dispute, instead reiterating responses that XXXX has verified the debt. These responses fail to address the substance of my concerns and disregard the evidence and communications provided. I request immediate and appropriate action from TransUnion to rectify this matter and ensure these derogatory reports no longer show up on my credit report. I have several documents and pictures, including a screenshot of when Transunion initially removed the reports. 

It is essential to realize that all Transunion has done is verify the existence of the debt with XXXX, who, of course, will only look out for themselves. So many letters from my attorney and me have been ignored, and all they do is continue to tell me that XXXX has verified the account 's existence. I want somebody to review this complaint and stop sending me prewritten form letters. The attorney made it very clear as to why this account should be removed. Furthermore, Transunion has been very deceptive in its tactics. I signed up for an account on their site, and after verification, I logged in and could be very active on the site. Suddenly, the next day, I received an error when I tried to log in again, stating that they could not verify my account. At this point, it seems they are doing this on purpose, and they are hurting my credit profile. I don't understand why they were able to remove this when my attorney sent the letter before, but now they have decided to ignore all requests.

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