Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is somewhat related to a pending open complaint against Trans Union credit reporting. Ive been disputing and filing complaints against Trans Union now for several months. XXXX pending complaint with the CFPB, case # XXXX filed on XX/XX/XXXX is still pending a response. This ongoing case of trans Union reporting negative credit information has been ongoing now with any remedy. Trans Union, unlike XXXX  and XXXX  has reported accurately on my credit reports and a bankruptcy I have in XXXX, which is going on XXXX yrs old was removed per petition to the court by my attorney was removed early. This was directly related to economic and financial hardship issues I was having, even though Ive re established my credit worthiness, on time payments and rebuilding my credit and life after a life threatening medical emergency I had I. XXXX. Ive been aggressively working extremely hard to rebuild trust and relationships with my creditors and expanding my credit worthiness, which has been extremely hard and had taken me XXXX yrs to establish. With a petition to the court, motion by my attorney, XXXX  and XXXX  have removed any negative credit reports as to bankruptcy slightly early as requested with transparency evidence and good cause to due so. Trans Union has refused to remove this bankruptcy or negative credit information slightly early as request which has just caused me more emotional and financial distress. Such negative reporting by trans Union is shared with XXXX credit reporting used by a couple of my credit cards and show fico scores of XXXX or XXXX where XXXX  and XXXX  report fico scores of XXXX to now XXXX due with using my excellent credit. Making on time payments, having very high availability of credit but with very low owed amounts has caused my credit to increase significantly with continued hard work and paying attention to my credit financial situation. Ive learned how to financially be responsible, and build strong bonds with my creditors. Ive also rebuilt my life and recovered from a life threatening hospitalization that caused this tragedy in XXXX. Its now going XXXX yrs of re establishing my credit and personal issues but my only extreme situation is trying to overcome Trans Union continued reporting of potentially negative comments as to this bankruptcy thats been now XXXX yrs old. Sometimes trans Union even reports this twice, XXXX as a potentially negative account, then mentioning it again in the public records sec of my credit report which is absolutely outrageous as doing so, causes my fico score to then jump without cause from a higher fico score from let say XXXX but for some reason, trans Union will from time to time, report this twice, once as having XXXX potentially negative account then mentioning again in public records section. This is extremely unethical and causes me economic and financial hardship without due cause. I then file a complaint, XXXX of this potentially negative credit report is removed by trans Union only for them to do this again several months later, after Ive been working hard to make my fico score higher, only to be lowered drastically with this double report by Trans Union that causes my fico score to drop sometimes by XXXX or XXXX point, again with. Due cause. Im filling this complaint to request the CFPB to assist me in having Trans Union remove the bankruptcy filing of now approaching XXXX yrs old from my credit report, which is causing me financial and economic hardship. As stated above, my attorney petitioned the court in an informal request last year to remove the bankruptcy filing notice from my credit report, which is a legally valid request with supporting documentation as to reason was approved and was submitted to all credit reporting. XXXX  and XXXX  have complied and removed such negative information but Trans Union has not, responding with outdated information as to bankruptcy filing information and time lapse of such removal. This response is outdated, unethical and unacceptable response by Teans Union who consumers are just trying to rebuild their lives in certain situations as mine that such a request to remove this bankruptcy information slightly early then XXXX yrs, consumers are allowed to petition the court for such removal of information between XXXX and XXXX yrs as per Federal law and case law Ive provided as to my situation.

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