Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion unlawful, and deceptive practices are currently destroying my reputation as a consumer. I have communicated with Transunion over 5 times via phone. Twice with mailing and quite a few times online services. All communication with this company results in nothing being resolved or the opposite. This reporting of inaccurate information is affecting my life. The times of feeling hopeless is over. If this is not resolved I will report this to social media outlets and seek legal help. I am also filing serval complaints. These illegal methods they are doing to me must be stopped. Below are a four different situation that have yet to be resolved. 

1. Will not remove inaccurate information about unauthorized inquiries- XX/XX/XXXX ( PHONE ) I called to report that they are reporting inaccurate information and that I in fact did not authorize some inquires listed on my report. Each time I called was told that I could not have the inquiries removed from my report. At one point in time, I asked to speak with a manager, One of their supervisor agents by the name of XXXX told me that an inquiry is indeed a statement of fact. I responded that is not true and it is illegal what you are doing, and he disconnected the call. 

2. Will not remove incorrect information being posted on my account about XXXX. XX/XX/XXXX ( ONLINE DISPUTE ) I completed an online dispute with TransUnion about removing XXXX XXXX XXXX from my report. They have it showing as an open account with a balance. On, the online dispute I advise TransUnion that the account is incorrect, It is a closed account with no balance. I request that this be deleted from my report. Instead of them removing the account they removed a 30-day late payment. In Which in Fact, I was never late on the account. The was mark resolved by Transunion when they never did what I ask. 

3. Mailed out a letter to Transunion has no written consent from me to report anything on my consumer report. Received by them on XX/XX/XXXX ( MAILED LETTER ) The Letter stated that I never gave Transunion any written consent to report anything on my consumer report and then I listed the accounts that needed to be removed from my consumer report. Instead of Transunion removing the information from my account. They sent letter to the debtors on the accounts telling them that I wanted to do an identity fraud claim. In which again, is not true. 

4. Credit scores dropped over 40 points without reason XX/XX/XXXX ( PHONE ) Called in to TransUnion and asked why this happened and rep stated he would investigate it to see if any changes was taking place on my account. We found out that there were no changes being made to my account so the agent stated he could not determine what happened.

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