Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6531996

Complaint Overview

Complaint ID: 6531996

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: Investigation took more than 30 days

State: California

ZIP Code: 92126

Date Received: 2023-02-02T12:00:00-05:00

Date Sent to Company: 2023-02-02T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. I immediately paid off the bill and requested XXXX XXXX remove the late strike on my credit report, and they refused. I filed disputes with XXXX, Transunion, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.

Frequently Asked Questions

What is Complaint #6531996 about?

Complaint #6531996 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 2023-02-02T12:00:00-05:00.

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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