Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX Notification of authorized user added on a XXXX card via Transunion at XXXX and that my XXXX XXXX had dropped. 
o Called XXXX and they indicated no changes had been made to my account and certainly no authorized user information had changed. 
o Called Transunion and got an individual with limited XXXX and they could not tell me why I got that notification nor any other useful information. Because they could not explain this they put a fraud alert on my account which caused my score to tank again. 
Reached out to TransUnion again and this time they told me that XXXX had stopped reporting information to TransUnion so they removed my card from my record entirely which caused my score to drop significantly. I could not get them to tell me how to get this fixed. 
o Contacted XXXX. They indicated that they had been reporting to TransUnion and implied it was a problem on their end. 
As of XX/XX/XXXX XXXX  score remains unaffected and our long standing XXXX XXXX  is on his report. My Experian score is XXXX which includes my XXXX XXXX  XX/XX/XXXX XX/XX/XXXX : XXXX ( XXXX XXXX she could push this out to TransUnion and give it 30 days. She also confirmed that as an authorized user this should be on my credit report and that XXXX has been providing this monthly to all three credit bureaus. 
XX/XX/XXXX : attempted to remove fraud alert from TransUnion XX/XX/XXXX my Experian score was XXXX and still included my XXXX XXXX  XX/XX/XXXX Received letter from XXXX said they have updated credit report to show payment history and balance XX/XX/XXXX XXXX Card again this time via XXXX in XXXX XXXX XXXX XXXX XXXX They indicated that they did indeed send info to Transunion in XXXX. Said they will push it out again and check back in 3 days. Somewhere between XXXX and XXXX I also was contacted by XXXX that said I had to sign a required doc from Trans that said I authorized my XXXX to be on my credit report I did that. 
XX/XX/XXXX ( XX/XX/XXXX ) Reached a XXXX supervisor ( XXXX ) and explain this for a third time. She indicated that I should call them again and they will get TransUnion on phone and try to get to the bottom of this issue. Provided phone number XXXX ( XX/XX/XXXX ) Called TransUnion and couldnt reach anyone XXXX ( XX/XX/XXXX ) Called XXXX said he would work with a supervisor and either call me back or email. 
XX/XX/XXXX ( XX/XX/XXXX ) called XXXX again. XXXX at XXXX tried to three-way call with TransUnion. Got someone named XXXX who just hung up on us. She tells me that the records at XXXX includes a letter from TransUnion saying it is against their company policy to reinsert my XXXX XXXX on my report as it is " against their company policy ''. 
o XXXX Transunion on my own. XXXX XXXX and then XXXX who told me my credit shows XXXX as a suppressed account and that they could not use the reinsertion form sent by XXXX and signed by me. Rather, I have to get XXXX to send me another letter including my current balance, payment history and attach that to a cover letter from me stating that I am an authorized user. 
o Called XXXX. All I can get is copies of my last 7 years of bills to prove my payment history and XXXX separate letters indicating that I am an authorized user and my current account balance. Wait 7 days till this arrives. 

( XX/XX/XXXX ) - I got XXXX letters from XXXX confirming my authorized user status and current balance along with a XXXX inch stack of bills for the past 7 years. 
Called Transunion again to ask if this is what they needed and why they could not reinsert my information. At this time, TransUnion finally confirmed that XXXX had indeed been sending them monthly information that confirms that I am on the account and the account balance. At this point, they tell me that discover has to report my XXXX card differently and indicate that it is a new card. No idea what this even means so I called XXXX card again. XXXX indicates they are going to start a trade line investigation. 

XX/XX/XXXX get a letter from XXXX indicating that they are reporting to credit agencies as required. Called XXXX, and they have done all they can do to help me. 

I am in a problem between TransUnion and XXXX that I can not resolve. I do not speak the language and am simply caught between XXXX entities. XXXX has done all they can do on their end and have been responsive and respectful. TransUnion on the other hand has a terrible auto phone system and their staff are difficult to understand. 

In summary, my XXXX XXXX that I have been listed as an authorized user since XXXX should never have been removed by TransUnion. It is their error and they refuse to fix it. Please help. I am XXXX XXXX XXXX and grew up when women couldn't get credit cards so my credit history is something I have worked on for decades. I am frustrated but also deeply offended to be in this position. 

Hoping for the best.

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