Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I have sent in disputes with proof numerous times to Trans Union and have been ignored each time, Estoppel by silence. I have been given the run around each time without correspondence. This has defied my credit character and has hurt my getting approvals. I'm now chatting and still getting the run around from their agent. 

These two US Dept. of Education accounts were promised to be corrected by them because another company has taken over this account XXXX. 

US DEPT OF EDUCATION XXXX {$13000.00} - - -No Data US DEPT OF EDUCATION XXXX {$8400.00} - - -No Data XXXX XXXX XXXX {$13000.00} {$0.00} Another company is trying to collect on this account also, so they are double-dipping See below My communication with the Trans Union agent on XX/XX/year> @ XXXX XXXX  Technical Issues You - XXXX XXXX  You are now connected to TransUnion Chat. 
XXXX - XXXX XXXX One moment while I transfer you to a live agent. 
TransUnion Chat - XXXX XXXX  You are now connected to XXXX. 
Info - XXXX XXXX  Thank you for your patience. Due to higher than normal call volume, please be advised our wait times are longer than usual. 
For faster service, please explore our many self-service options online. 
To place a fraud alert : https : //www.transunion.com/fraud-alerts To place a security freeze : https : //www.transunion.com/credit-freeze To open a dispute : https : //www.transunion.com/credit-disputes/dispute-your-credit Welcome to Transunion live chat service. My name is XXXX, and I am here to assist you. 

Could you please elaborate your concern to assist you better? 
XXXX - XXXX XXXX  The following is what I'm getting when I click on credit reports : We're unable to complete your request online. 
We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  XXXX XXXX  XXXX. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  XXXX XXXX  XXXX, or dispute by mail. 
You - XXXX XXXX  Im sorry for the inconvenience caused. I understand that you are experiencing issue with accessing the credit report. 
XXXX - XXXX XXXX  Once logged in a I click on credit report that's the message I get. 
We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  XXXXXXXX XXXX XXXX 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXXXXXX, or dispute by mail. 
You - XXXX XXXX  Thank you for sharing the error message. 

To assist you better, please fill the information in the below secure form to locate your account. 

XXXX has sent you a Secure Form : PII Form Thank you for filling in the form. 

Please allow me a moment to check with your account. 
XXXX - XXXX XXXX  Conversation closed by you - XXXX XXXX  Today Thank you for contacting TransUnion. 
Tell us how we can assist you today, or select an option below. 
Do not include any account or personal information, SSN, dispute or credit report complaints unless requested by a live agent. 
Credit Report You - XXXX XXXX  You are now connected to TransUnion Chat.

Info - XXXX XXXX One moment while I transfer you to a live agent. 
TransUnion XXXX - XXXX XXXX  Thank you for your patience. Your estimated wait time is 5 minutes. An agent will be available to assist you shortly. 
Info - XXXX XXXX  I have a concern regarding these US Department of Education Accounts, I sent in my proof from the company showing that they were going to change my accounts to positive because another company is taking over this loan. I filed a compalint with the CFPB also regarding this misleading and false documentation on my credit file, the two accounts need to be corrected or deleted before I have no choice but to move to the next step of litigation. 
You - XXXX XXXX  You are now connected to XXXX. 
XXXX - XXXX XXXX  Welcome to our live chat service. My name is XXXX and I am here to assist you. 
XXXX XXXX XXXX XXXX XXXX is now over both accounts, so please delete this account for the US department of education for both please read the above and the below You - XXXX XXXX  In that case, you can file a dispute on the report This is our free online service website ( service.transunion.com ). Please create account on this website ( If you already have account please login ) and start your dispute by following the below steps. 
1. Select Dispute Center from the top of the screen.

2. Select Go to Dispute Center This screen displays the following information : Start a dispute.

Dispute in progress if a dispute was previously submitted and has not completed.

List of previous completed disputes 1. Select Start a Dispute ; a checklist of information to prepare for the dispute is displayed.

2. Select the agreement checkbox and click Get Started 3. Select the category for the first piece of information to dispute : Personal Information An Account A Public Record 1. Click Continue to step 2 ; a list if the items within the selected category is displayed 2. Click the arrow next to the item to dispute to view additional details 3. Click Continue ; a list of dispute reasons are displayed 4. Select the appropriate reasons that describe the inaccuracy and enter additional comments, if needed 5. Click Continue to summary ; a list of the items edited or disputed, thus far, are displayed 6. Click Add another item if the consumer has additional items to dispute 7. Click Submit dispute once all the disputed items are entered ; a summary of the dispute, edits, dispute reasons, and comments are displayed Click Yes, Submit XXXX - XXXX XXXX  I also have another concern regarding this XXXX account there's another company trying to collect for them and they are still reporting on my account, if the account was sold why are you all still reporting this from XXXX, I also provided proof and will file a complaint with the FTC and CFPB. 
For all of these I have filed disputes and you all have ignored my disputes and not even looked at what was sent. Estoppel by silence is what you are doing. 
I have mailed in disputes already via tracking certified mail and returned receipt. 
You - XXXX XXXX  Sorry it's taking us longer than expected to reply. We will respond shortly. 
XXXX - XXXX XXXX hello XXXX - XXXX XXXX  Your patience is appreciated. I will be with you shortly. 
XXXX XXXX XXXX XXXX  I'm filing a complaint as we speak because you are ignoring me again just like all my letters and proof that I have sent in as well. 
You - XXXX XXXX  I am not ignoring trying to understand the situation XXXX - XXXX XXXX  I have a concern regarding these US Department of Education Accounts, I sent in my proof from the company showing that they were going to change my accounts to positive because another company is taking over this loan. I filed a compalint with the CFPB also regarding this misleading and false documentation on my credit file, the two accounts need to be corrected or deleted before I have no choice but to move to the next step of litigation. 
I also have another concern regarding this XXXX account there's another company trying to collect for them and they are still reporting on my account, if the account was sold why are you all still reporting this from XXXX, I also provided proof and will file a complaint with the FTC and CFPB. 
All of my proof was provided to Trans Union regarding these accounts. 
You - XXXX XXXX  XXXX I know when was the disput filed XXXX - XXXX XXXX  I filed this last month and months prior ; this is ridiculous. Estoppel by silence You- XXXX XXXX  Please fill the below form XXXX has sent you a Secure Form : PII Form The following Secure Form has been submitted : PII Form XXXX - XXXX XXXX  Thanks XXXX - XXXX XXXX  US department account has been removed from your report XXXX - XXXX XXXX  I still show it when logged in. US Department of EDUCATION sent me 3 letters stating that they remove the 2 accounts because another company has taken these accounts over. 
You - XXXX XXXX  I could see both the US dept accounts has been removed from the report If you want I can help you sending the report to your mail address which will reach you in 7 business days?

will that work? 
XXXX - XXXX XXXX  This XXXX account is inaccurate I have sent proof of the company that has bought this account and there's a great difference in what they say I owe so this is mislead and damaging my credit character. 
XXXX XXXX XXXX {$13000.00} {$0.00} This account is not accurte and it shouldn't be on my report, can't no two companies collect on this account. 
You - XXXX XXXX  May I know when did you sent the dispute letter for XXXX? 
XXXX - XXXX XXXX  I need this account deleted because their 3rd party is harassing the XXXX out of me which is illegal and I'm going to file harrassing communication You- XXXX XXXX  There is no dispute filed on that account XXXX - XXXX XXXX  I sent this numerous times as well along with letters from their 3rd party company as my proof yes it is You - XXXX XXXX  This is our free online service website ( service.transunion.com ). Please create account on this website ( If you already have account please login ) and start your dispute by following the below steps. 
1. Select Dispute Center from the top of the screen.

2. Select Go to Dispute Center This screen displays the following information : Start a dispute.

Dispute in progress if a dispute was previously submitted and has not completed.

List of previous completed disputes 1. Select Start a Dispute ; a checklist of information to prepare for the dispute is displayed.

2. Select the agreement checkbox and click Get Started 3. Select the category for the first piece of information to dispute : Personal Information An Account A Public Record 1. Click Continue to step 2 ; a list if the items within the selected category is displayed 2. Click the arrow next to the item to dispute to view additional details 3. Click Continue ; a list of dispute reasons are displayed 4. Select the appropriate reasons that describe the inaccuracy and enter additional comments, if needed 5. Click Continue to summary ; a list of the items edited or disputed, thus far, are displayed 6. Click Add another item if the consumer has additional items to dispute 7. Click Submit dispute once all the disputed items are entered ; a summary of the dispute, edits, dispute reasons, and comments are displayed Click Yes, Submit XXXX - XXXX XXXX  I've been disputing this for about 6 mos or more now and you all have ignored my dispute request. 
You - XXXX XXXX  In this case, can I escalate the issue to special handling team XXXX - XXXX XXXX  Ma'am please search my file, cause I'm tired of going back and forth when I have provided what was needed to correct my credit file. Either this get corrected now or I'll just file for litigation You - XXXX XXXX  so that they will check and get back to you in 2-3 business days with proper explanation? 
XXXX - XXXX XXXX  yes, this should have been communicated when I filed my disputes You - XXXX XXXX  I really understand how frustrated it would be. I would love to assist you with removal. But unfortunately, my access is restricted by policy XXXX XXXX XXXX XXXX  Who can I speak to because my proof is there You - XXXX XXXX  let me confirm, we only received a letter on XX/XX/year> which only have a bill copy in it no request letter also there are no dispute recorder before and after that XXXX - XXXX XXXX  This isn't fair for me ; I have submitted all documents now you're telling me 2-3 days the time has passed for acknowledging my dispute request you all get 30 - 45 days and that has passed each time. This is a serious matter.

There has been something before then Each time I try to dispute this I have provided you proof. 
What you just said is fals false You - XXXX XXXX  Was the dispute went through do you have Dispute XXXX? 
XXXX - XXXX XXXX  I send letters along with my proof, because I make copies of everything I send so I can have a copy for myself. 
You - XXXX XXXX  But we did not receive them from our end XXXX is your confirmation number I have escalated the case you can expect the call back in 2-3 business days XXXX - XXXX XXXX  I send all my disputes by mail so if litigation is needed, I have everything. This is XXXX XXXX and I can dispute any way I choose ; I do not have to use your portal and would prefer you not communicate with me through email please from hear on going forward everything needs to be sent by maill. 
You - XXXX XXXX  YES you are obsolutely correct, but we need to receive them to check on the details and receivving Without receiving your mails how can we help you further XXXX - XXXX XXXX  I will copy this and send it to the regulators for litigation I'm tired of the ack and forth. Now what you all are doing is throwing away of what I send in? 
Whoever receives your mail signs my returned receipts, so that's my proof that you all have received my dispute requestes. 
You - XXXX XXXX  I have escalated the case so nothing to worry the special handling team will sort the issue as quickly as possible XXXX - XXXX XXXX  I will allow the CFPB to step in at this point because gain this is considered Estoppel by silence. This is also false and misleading without you verifying what I have sent into your bureau each time. 
Now You - Now Agent is typing...

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