Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my mortgage payments on autopay from my XXXX  XXXX XXXX checking account to the XXXX  XXXX  XXXX  account ; {$900.00} was sent over every month automatically. 

I had an increase in my escrow that would take effect in XXXX ( property tax increase & slight insurance increase ) so my monthly payment was supposed to go up a few dollars per month to $ XXXX {$910.00}. 

XXXX XXXX  sent me a {$220.00} check at the end of XXXX from before the increase happened because I switched insurance companies. So, knowing that this new increase would happen anyway, I just lre-deposited the {$220.00} so that over 12 months I would still be ok and covered by my regularly scheduled payment of {$900.00}. 

Well, XXXX  XXXX  received the {$220.00} from me on XX/XX/XXXX along with the regular payment of {$900.00} on XX/XX/XXXX that I sent every single month on autopay BUT decided not make the mortgage payment for XX/XX/2020 because according to them " I was short $ XXXX {$10.00}. '' When I deposited the {$220.00} escrow check they sent me on XX/XX/XXXX, I thought they would automatically take that same {$220.00} escrow check and make the adjustment in the escrow account to even out my mortgage payments to what I had them as. 

When I called to clear things up in XXXX, a month later ( when they threatened to foreclose via a letter in the mail ), they said that I had needed to call in and specifically tell them where to designate the {$220.00} ( even though it was an escrow check and said that on the check ) and that it was just sitting there on their end. Both the {$900.00} that I sent in autopay and the {$220.00} were sitting there but they didn't want to make a payment because they " didn't know where the money should go. '' It never occurred to them that any money I send them is to make a mortgage payment- that is the onky reason why I would send them my money. 

Once on the phone with them, we immediately made the adjustment, they pulled the payment from the money that was " sitting in my account '' and everything was fixed " my payments were all caught up. '' But that issue I had with them really hurt my credit. I felt like that was a glitch on their end but they didn't care and didn't make any effort to clear it. They said my credit would just recover on its own in a while. 

I ended up switching mortgage companies to XXXX XXXX XXXX  because of this negative experience. But when I switched, this dark stain on my credit report caused me to get a higher interest rate. I attached a screenshot taken on XX/XX/2020 where it shows that the regularly scheduled payment arrived to them ( on time ) on XX/XX/XXXX and the extra {$220.00} was deposited to them on XX/XX/XXXX that was supposed to cover the escrow increase. All that money was in my account and available to make XXXX 's XXXX Mortgage Payment. 

Please let me know if you need further clarification. My hope is that I will have this " late payment '' cleared from my credit report because I feel like I was not at fault. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation