Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5689030

Complaint Overview

Complaint ID: 5689030

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: Maryland

ZIP Code: 20748

Date Received: 2022-06-20T12:00:00-05:00

Date Sent to Company: 2022-06-20T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American, Servicemember

Consumer Narrative

I have over the past year been requesting to have XXXX XXXX XXXX correct their wrongful credit reporting. Our mortgage loan sold twice in the past three years. XX/XX/XXXX and XX/XX/XXXX. They show the account as a transfer and it still has a {$1900.00} deferred payment amount that was paid by XXXX XXXX when it first sold. That same amount is still on the account after XXXX XXXX 's sold it in XX/XX/XXXX. They will not remove the {$1900.00} fee. We have disputed them changing the terms of the loan from 30 year/360 month to 50 year/600 months. The requested documentation they provided for the 50/600 month change is not supported by proper documentation. The TERMS of the loan are a part of the signed contract. They ignore that contract and use 50 year/600 months term to make the loan appear that an additional or a default agreement has taking place on the second sale of the loan. They also refuse to report the first three payments made to them since the sale ( XXXX, XXXX, XX/XX/XXXX ) this is being done to make the loan appear to have been in default, when the last reported default was in XXXX. We have provide to the credit bureaus a many times over, the only two signed loan documents that show the TERMS of the loan. We have also provided provided mortgage statement and their payment history documents that was received directly from XXXX XXXX XXXX, but still all three credit bureaus respond that the provider has proving that their wrongful credit reporting is accurate. If their reporting is accurate than the mortgage statements and payment history that they provided to us is inaccurate. We have not missed a mortgage payment or been late since XXXX, and have provided to the credit bureaus solid proof of that, yet all three bureaus REFUSE to correct the errors. Our reported mortgage loan account is altered on purpose to make it appear that we have had a default and that there is another signed document that changes the TERMS of the loan from 30 year/ 360 months to 50 year/600 months. The also add " BALLOON PAYMENT '' to the account, when there is no balloon payment associated to or with our loan. There has to be a forged or other form of bogus document created to justify the wrongful changes. And for some reason we can't get that document from the provider or the credit bureaus. We do fully understand the scam that's being used and why. What we don't understand is why the credit bureaus are complicit in this criminal act of trying to defraud an XXXX veteran and his wife out of the equity in their home. So we asking all three credit bureaus to update our mortgage account with a statement of dispute, so please attach the following Statement to our XXXX XXXX ( account : XXXX ) credit reporting : " XXXX XXXX XXXX refuses to correct their nefarious credit reporting. The 50 year/600 month Term and Balloon does not exist in any of our loan documents/history and are in no way associated. Loan SOLD two times in past 3 years and a BALLOON PAYMENT does not exist. Only documents are Fannie Mae XXXX and XXXX - No Defaults, Missed or Late payments for past XXXX months -- Dispute Not Resolved -- ''

Frequently Asked Questions

What is Complaint #5689030 about?

Complaint #5689030 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 2022-06-20T12:00:00-05:00.

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

The company responded with: "Closed with non-monetary relief". 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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