CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-01-22T00:00:00

Product: Medical debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ).

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion.

I received a response from TransUnion dated XX/XX/XXXX( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request.

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status … .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report.

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring.

I clearly monitor my credit report very closely and I went from XXXX to XXXX … 33points dropped and now XXXX dropped another 7 points! I work very hard to get where I am at.

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX and XXXX each received a letter from me disputing this account and asking for validation.

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State/Zip: FL 346XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2789326

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