Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I received an alert from TransUnion around the XXXX of XXXX, XXXX, regarding a change to my credit file and a dispute. The alert stated that my oldest account was closed, and my credit report dropped XXXX points. The XXXX XXXX  credit card, for which I am an authorized user, was closed, and the trade line was removed. Trans Union informed me that the Consumer Financial Protection Bureau initiated a dispute regarding the XXXX XXXX  credit card, which is the reason for the dispute. I told the representative over the phone that I had never initiated a dispute with the Consumer Financial Protection Bureau ; I filed a complaint. I asked TransUnion why they were manipulating my credit file and why they said that the XXXX XXXX  credit card was closed when it was not. This card has been open since XXXX. 
I am an authorized user, and it has a XXXX balance with a {$20000.00} credit limit. The gentleman that I spoke to his name is XXXX, and he told me that they are going to reinstate the account within 72 hours. I asked for an explanation because that didn't make sense. If TransUnion stated that the credit card was closed, how can they reinstate it? I explained to XXXX, the rep from Trans Union, that they had removed a valid trade line from my credit file. The credit card is open, active, and in good standing, with a payment history from XXXX, when the card was initially opened. I asked for an explanation of how they were able to do that. He just repeated. We were reinstated within 72 hours. At that point, I asked for a supervisor, and he said again that no one was available and that he'd requested a callback. I have this call recorded. From the time I filed the first complaint with the CFPB regarding the Credit reporting agencies manipulating my credit file without just cause and without receiving information from XXXX XXXX, My credit score has dropped XXXX points even though I have an excellent payment history, a utilization of 11 % a good credit mix, the oldest credit line showing on my credit is the XXXX XXXX  credit card that was opened in XXXX with a credit limit of {$20000.00} and a XXXX balance due. I wanted to know how Trans Union can remove a tradeline, falsely state that the credit card was closed, and change someone's credit file whenever they want to without a justifiable reason to do so. I am an authorized XXXX XXXX  credit card user, and the primary borrower is my father. 
With his approval, I was added as an authorized user to help improve my credit score. Unfortunately, it's been a nightmare, and my credit score has dropped almost 40 points since the day that that card was added. Their system is XXXX. My name is XXXX XXXX. Looking at my name, You know that I'm XXXX-American. A dispute was opened that I did not initiate, and my credit file was changed for no reason at all. I can't get an explanation for why. I am trying to buy a house before the end of XXXX. Everything that I am trying to do to improve my credit is not improving my credit because of their XXXX algorithms and the fact that they can change your credit file whenever they want to for no reason at all whenever they want like they've done in this situation. TransUnion removed the trade line instead of doing a proper investigation to see if I initiated a dispute, and it was not because I was told the Consumer Financial Protection Bureau had filed the dispute. Instead, they removed the tradeline and falsely stated that the credit card had been closed, which is dishonest and unethical. Then, when I called them on it and asked for an explanation, I was told the account would be reinstated. How is that possible? If you just said it was closed. 
I need this explained to me because I've learned on the Consumer Financial Protection Bureau 's website that for a trade line to be added, changed, or altered on someone's credit file, the information comes from a furnisher, which would be XXXX XXXX  in this situation. Suppose the tradeline details appear fictitious or do not belong to the person. In that case, the credit reporting agencies investigate the accuracy of the information from the furnisher and then have the right to remove that information if it is proven it didn't belong to that customer or the information is inaccurate and unable to be verified as valid. XXXX XXXX  has not reported to TransUnion that the credit card is closed. Instead, TransUnion made that information up to justify removing the trade line. My first complaint that I filed in XXXX was also about the credit reporting agencies manipulating my credit file whenever they wanted to. As of today, they're still doing it. Trans Union broke the law regarding the Fair Credit Reporting Act ( FCRA ). I recorded this call and other calls, including the representative from XXXX telling me that the person who changed the personal information on my credit file in XXXX will be coached. It will be used as a learning experience for the representative. I also asked them for an explanation and have yet to get one. I asked for a supervisor call back and did not get that either. 
I have the recording but I am unabke to attach it ti this complaint. I am abke t send it to whomevr needs it as it is unaltered.

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