Consumer complaint received 2024-05-13 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: IA

Complaint narrative:
Transunion Credit Bureau refuses to update my account to reflect factual payment history made on the account. I paid off the account and Transition then re-opened it showing a still remaining debt. I had asked XXXX XXXX XXXX XXXX XXXX XXXX to supply the factual payment history and paid off and closed out accounts which they agreed to doing to all three credit bureaus and only XXXX is showing paid off. XXXX does not reflect paid off and closed account but their payment history is accurate. Transition refuses to update my accurate payment history and closed out paid off auto loan account with XXXX XXXX XXXX XXXX. I requested to speak to the supervisor of the member accounts solution department because I was being lied to, ignored and refused to respond to written requests for information. XXXX XXXX was informed of the actions and behaviors of XXXX but I had to tolerate and endure unprofessional treatment and conduct for months without resolve. I contacted Transunion directly and initially the customer service agent did not think she could do anything, I asked to speak to supervisor named XXXX who said his department is highest any consumer can go and there is nothing he can do because the only way to change the report is if XXXX supplies the information. He said he didn't any supporting information to show otherwise and refused to provide any other information and stated even though I am saying XXXX reopened a previously closed out and paid off account there is nothing he can do as the only way that would have happened is by XXXX notify and sending in that information to still show a debt and open account. He then refused to supply any other information and no longer wanted to say anything as he said the dispute results were accurate and I would have to contact XXXX myself because I was no longer able to file a dispute about the account. I supplied the statements and email correspondence with my dispute showing I made payments and closed out the account and verified and confirmed this with XXXX XXXX but Transunion XXXX said that they aren't able to take anything I submit and refused to give any reason why they were not able to use that information. I did everything I could possibly due to correct this on my own and directly with XXXX XXXX and with Transunion and XXXX XXXX reporting companies but have not been able to get this resolved own my own after multiple online and written disputes directly with the companies and through third party companies like XXXX XXXX. I need help and requesting assistance in helping me get correct and accurate information supplied on my credit reports and payment history which Transunion is refusing to do and XXXX hasn't updated either.

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