Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4870213
Complaint Overview
Complaint ID: 4870213
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: Was not notified of investigation status or results
ZIP Code: XXXXX
Date Received: 2021-11-02T12:00:00-05:00
Date Sent to Company: 2021-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
To the Consumer Financial Bureau : I am a senior citizen in need of assistance with this installment loan that I took online three years ago in the amount of XXXX XXXX dollars from lender XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. I have reduced my loan amount balance to {$4500.00} In XXXX of this year 2021 I was not able to do my Part-time job and was struggling to make the {$430.00} a month payment along with my mortgage. I entered a lower payment with XXXX for XXXXhree ( 3 ) months in the amount of {$110.00} Starting in XX/XX/2021 to keep me afloat.I made three reduced payments in the months of XX/XX/2021, XX/XX/2021 and XX/XX/2021. I made my full payment amount {$430.00} in the month of XX/XX/2021. I was not able to make my XXXX payment in the full amount. On XX/XX/2021 I received a letter from XXXX that is the date that is reflected on the letter from the lender Upgrade that they have Charged-off my account, and that the balance shows due {$450000.00}. I immediately called the company and asked why was my account charged off for only being a few days late as the due date was XX/XX/2021. I spoke with a representative XXXX XXXX and he advised me that the loan is slated to go to an outside collections Agency. I pleaded with the representative that this would damage me and impact me severely.Mr. XXXX XXXX advised that I could setup an in house repayment with ( XXXX ) so that my account would not go to an outside collection Agency. Mr. XXXX XXXX stated that the balance owed would be in the amount of {$3000.00} starting XX/XX/2021. Mr. XXXX XXXX gave me the following overnight mailing address XXXX XXXX Loan Number XXXX : Attention Batching Dept. Lock-box # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX I sent a United States money order overnight express mail to the payment amount agreed upon with Agent XXXX XXXX in the amount of XXXX cents. I have called several times to the lender Upgrade and I am getting the run around and was advised by another Upgrade representative that I sent the {$120.00} cents to the wrong address. I have begged and pleaded to with Agent XXXX on XX/XX/2021 has my {$120.00} money order payment been applied to my account. I was advised that they could not find my payment of {$120.00} cents. I have searched the internet to see who is the Owner of this company and could not find that information. I have asked the Agents of XXXX who is the CEO of the company and they advise me that they do not know. I am at my breaking point on who to get this situation corrected. I have paid over {$6000.00} on this loan. I am in the process of moving into a senior residence and my credit standing has dropped by 75 points. I am so hurt and disappointed in this situation. I need immediate assistance in having this charge off removed from my credit report as it was entered unfairly. I. I pay my mortgage and credit cards on time even if it is the minimum amount due. I was living off my credit cards at one point during the pandemic.This is an emergency request as I am in the middle of obtaining a mortgage for a senior over XXXX residence. Every time I reach out and call XXXX I am giving the run around. I have to send another payment in the amount of {$120.00} cent in the month of XX/XX/2021. Please reach out to me. I have the letter and overnight receipt that I send the reduced payoff amount as well as my bank statement that shows that they took {$430.00} out of my account on XX/XX/2021.
Frequently Asked Questions
What is Complaint #4870213 about?
Complaint #4870213 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 2021-11-02T12:00:00-05:00.
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.