Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX when the Pandemic began and everything was shut down in XXXX and XX/XX/2020 XXXX XXXX also shut down. I called XXXX XXXX to let them know as soon as I get my unemployment ill fix the ones I missed. I've already filed a complaint against XXXX XXXX, I've disputed this issue over and over with TRANSUNION agreeing with the loan company! I called TRANSUNION and explained and told them I have proof of all my payments! The other two credit bureaus have the wrong Info too but TRANSUNION has my credit score at XXXX! I've been fighting them for 8 months! Even though the other two have the wrong info they don't report thats I've missed the last 6 payments! My credit score for the other 2 bureaus is XXXX and XXXX even with the auto loan unfixed but TRANSUNION has me at XXXX ruining my life! Half my accounts are missing the ones that are their are wrong and its funny im at XXXX everywhere else but TRANSUNION refuses to correct this issue! I even sent everyone all credit bureaus and auto loan XXXX XXXX a manilla envelope with the a whole investigation done for them! Proof of every payment on time every month except the 2 month when Pandemic started. Auto loan promised and followed through not reporting negetive info during Pandemic apparently im not included with the rest of the world! I sent proof of every payment including the 6 months starting in XXXX when I got unemployment of the extra XXXX a month I paid right out of my bank account for the two missed payments! Each company got the exact same packet in the mail. Transactions calculation of my credit score is a disgrace! I have spent the last year doing everything possible to pay off all collections on my bureaus as im getting ready to get a new vehicle and to purchase a farm! They are ruining my life! They have caused me to get turned down for things at XXXX for my kids because of that report which now has inquires on their all for nothing because I got anything I applied for that checked other accounts but TRANSUNION obviously does not complete an investigation they call and take the word of the company im disputing and thats that! Its clear because I've never been late but 2 Pandemic months which shouldn't even be reported negatively! I'm a single mother busting her XXXX to fix everything after a divorce where im the only one that ever paid a single bill yet got stuck with all debt because it was all in my name! Finally I get a chance to fix it all and these companies they don't care about you or whats right! I sent them several different proofs of payments. Ones directly from the bank copies from my online bank account EVERYTHING! Its been 6 weeks and I haven't heard a word from not one of those companies and still nothing changes! Its now the middle of XXXX almost a year of dealing and Disputing over and over but no one would listen! They have ruined my life for the last year and if this doesn't get fixed soon I am calling am attorney and filing a law suit! Your my last hope of getting help to fix this without having to ruin more of my life XXXX knows for how much longer! PLEASE HELP! 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX

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