Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4693103
Complaint Overview
Complaint ID: 4693103
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Arizona
ZIP Code: 85331
Date Received: 2021-09-05T12:00:00-05:00
Date Sent to Company: 2021-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX continues to report charge off on original HELOC loan {$52000.00} dated XX/XX/XXXX. They are false reporting this charge off under account XXXX which was charged off on XX/XX/XXXX under the old account number of XXXX. The New subserver named XXXX XXXX XXXX XXXX XXXX XXXX, took over all loans by XXXX XXXX XXXX and has changed the original account number of XXXX to XXXX. This original loan first went in default on XX/XX/XXXX. XXXX XXXX XXXX executed XXXX XXXX XXXX XXXX attorneys to accelerate the defaulted note. The charge off was reported and has been reported on Credit Bureau reports over 10 years using various account numbers, dates, and amounts. It has been almost a year now, and We have asked multiple times through our Arizona Attorney General for XXXX XXXX XXXX XXXX. and/or their sub server of XXXX XXXX XXXX XXXX. to remove it and they still have not. They claim they have sent paperwork however none has ever been received by Transunion. With this day and age of online uploading from bank recovery department to credit reporting bureaus is possible. I believe they have the ability to remove this muddled charge off as fast as a flip of a switch. They can also send electronic emails to have this done but nothing has been received by Transunion. I have constantly reached out weekly to the recovery department via email and they still do not remove it. In fact they usually verify to Transunion that this new charge off is accurate reporting on the credit reports. I don't see how you can report a charge off on an old charge off creating a new account number and different numbers and dates of past due, etc. We were told by their recovery personnel on XX/XX/XXXX, XXXX XXXX that he has the ability to remove and add information to credit bureaus to show lates and/or charge offs. They have claimed they have sent paperwork to Transunion on XX/XX/XXXX per the Default litigation department letter dated XX/XX/XXXX, however I have verified with Dhin of Transunion, XX/XX/XXXX, via phone reference number XXXX. TransUnion claims to this date that they have not received any paperwork from XXXX XXXX XXXX, XXXX, and or there Sub server of XXXX to remove this re-aged muddled charge off of over 10 years. We ( XXXX and XXXX XXXX XXXX have been victims of this malicious act that by their recovery personnel. For example, XXXX of XXXX XXXX XXXX recovery department stated over the phone that they will continue to report us to credit bureaus as long as the charge off was not paid in full. XXXX of XXXX XXXX XXXX said this on XXXX XXXX, XXXX. This was already past the seven years of them reporting us illegally. We have tried over 10 years to negotiate however they continue to refuse to take any of our fair settlement offers. After the charge off we made additional payments monthly on-time in the local bank branch via bank statements they sent to us, not knowing that the loan was every charged off. Our monthly payments have totaled since the XX/XX/XXXX charge off of {$17000.00}. We have never received any information about this loan as a charge off since it was charged off. The bank statements never reflected this was a charge off or to collect a debt. They are requesting a payoff of {$52000.00} more than the original balance even though we stopped making payments in XX/XX/XXXX. This Deed of Trust is attached to our home and they have not applied any of our payments correctly. They are charging an absorbent amount of interest, fees, etc, after the charge off which is not in compliant with Arizona laws. Because of their malicious acts of unfair practices by not complying to the Fair Debt Collection Practices Act and they have made it extremely difficult for us to recover our financial status which in-turn would help to settle this debt quickly. This has been an ongoing fight with them for almost a year and 10 years reporting on the Credit Bureau reports. We feel that they should indeed be penalized for their conscience acts to hurt us. We also feel if there is any way we can have some financial restitution we would appreciate it.
Frequently Asked Questions
What is Complaint #4693103 about?
Complaint #4693103 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-09-05T12:00:00-05:00.
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.