Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4571605

Complaint Overview

Complaint ID: 4571605

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Florida

ZIP Code: 32548

Date Received: 2021-07-24T12:00:00-05:00

Date Sent to Company: 2021-07-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX transferred ownership of my Home Equity Loan to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I have always paid this loan on time. However, XXXX has now reported a payment delinquent over 30 days to XXXX, XXXX, and Transunion. XXXX made these reports and knew that their records were incorrect. XXXX claims that the XX/XX/XXXX payment is in question. XXXX has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX before they started servicing the loan. I have sent XXXX documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with XXXX without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, XXXX has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but XXXX apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX and XXXX concerning the transfer of ownership, the XXXX online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. XXXX is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem XXXX has with XXXX XXXX XXXX, not me. XXXX should not be permitted to make such reports.

Frequently Asked Questions

What is Complaint #4571605 about?

Complaint #4571605 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-07-24T12:00:00-05:00.

How did Transunion Intermediate Holdings, INC. respond to this complaint?

The company responded with: "Closed with explanation". The response was timely.

What is the risk level of this complaint?

See the risk assessment section for details on this complaint's risk profile.

How do I file a similar complaint?

You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.

Can I see other complaints against Transunion Intermediate Holdings, INC.?

Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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