Consumer complaint received 2020-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has been going on for 13 years, that's correct, 13 YEARS. The original account was in XXXX I believe. I tried to close it over the phone in XXXX and the CSR would not let me. He kept saying " we need to leave it open. '' More things came through and they charged me huge overdrafts before I could cancel the debits coming through. I would pay a XXXX dollars to have that recording. 

This was included in bankruptcy in XXXX. EVERY single month, for 13 years,, this credit union has reported me late. Even included in bankruptcy, it has been 6 years. Every single month they report I'm late. There was a checking account and line of credit I believe so 2 accounts at the time. 

First of all, it shows OPEN. That status is incorrect. It's been closed for many years. This is the THIRD CFPB complaint in several months and I have received NO REPONSE FROM the Credit Union. I do not owe this balance and they are illegally reporting on my credit for many years, even as of XX/XX/XXXX. 

I have hired a private attorney to sue for damages ; however with Covid, he is backed up at the moment. The TransUnion credit report shows it should drop off on XX/XX/XXXX ; however yesterday I disputed the charge there. I do not know if it is on the other reports as well, but assuming it may be. 

XXXX XXXX, do you realize you have and are continuing to break every Federal and State law allowed to me under the FCRA and other state laws? Federal Laws! I have contacted you through this website twice over the last several months with no response from you. Each and every month you have reported late on my credit reports ( probably multiple..I have TransUnion now ; however have ordered the other ones as well but do not have them yet ), that is a VIOLATION of Federal law? Each and every single time you have reported incorrectly regarding this account it is a civil and Federal violation. That would be, in the last 6 years per every month, at least 72 times you have reported incorrectly and are continuing to do so. 

CFPB : Do your job and hold this Credit Union accountable for their actions regarding this. These are 100 % legitimate facts and is not frivilous.. 

I have also contacted who is in charge of Credit Unions a while back as well. I have also made complaints to the FTC regarding this company. This is the 5th or 6th complaint, now I've retained an attorney for damages. This is not idle, I have done so. TransUnion shows this should be removed on XX/XX/XXXX so hopefully the dispute will remove it. This is horribly damaging to my credit and again, you have reported illegally every month for the last 6 or more years. 

I don't know what else to do going forward, other than to wait for the attorney and every single month, keep turning these people in to the CFPB and Credit Union organizations and FTC to get someone to notice what they are doing. 

XXXX XXXX : CEASE AND DESIST AND REMOVE THIS FROM ANY AND ALL CREDIT AND OTHER REPORTS. I may take into consideration your removal if expedited ; however still sue for damages for the last several years. 

CFPB : DO SOMETHING ABOUT THIS PLEASE!!!!!!

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