Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX  is purposely reporting inaccurate information to the major credit bureaus violating the FCRA and the automatic stay in Bankruptcy. I sent a letter to XXXX XXXX XXXX  on XX/XX/XXXX requesting that they correct the erroneous information. XXXX XXXX XXXX  responded to me on XX/XX/XXXX stating In order to fully respond to your issue, we have opened issue XXXX. An email with our response will be sent to the email used for this issue. However, in some cases, it may be necessary to mail a letter to you at the address on file within twenty-five ( 25 ) days. As of today XX/XX/XXXX, XXXX XXXX XXXX  has yet to make any attempt to resolve the issue and continues to report inaccurate information to the credit bureaus. 
I disputed XXXX XXXX  reporting of inaccurate information with TansUnion on XX/XX/XXXX. XXXX XXXX XXXX  responded to TransUnion that there information was correct and then they reported that the last payment made was in XX/XX/XXXX, derogatory and closed. The following month XXXX XXXX XXXX  reported that the last payment made was XX/XX/XXXX, and that the account is derogatory and closed. XXXX XXXX XXXX  should delete the account reporting if they can not report the account accurately. 
My mortgage account with XXXX XXXX XXXX  is OPEN not closed, paid on time, no payments are behind, not derogatory. It was opened in XX/XX/XXXX at {$47000.00} and has a current balance of {$20000.00}. 
I disputed XXXX XXXX XXXX erroneous information with XXXX  in the beginning of XX/XX/XXXX and after 33 days the erroneous account was removed as I sent proof of payments and current balance along with my current mortgage statement from XXXX XXXX XXXX  to XXXX. 
I disputed XXXX XXXX XXXX erroneous information with XXXX  on XX/XX/XXXX, XXXX and XXXX XXXX XXXX  has yet to respond to XXXX. I submitted mortgage statements directly from XXXX XXXX XXXX  to XXXX  with my dispute for proof. 
My mortgage payment to XXXX XXXX XXXX  is paid directly to XXXX XXXX XXXX, it is NOT paid in my chapter XXXX plan to the Trustee. There were no arrearages before I filled XXXX XXXX on XX/XX/XXXX. There is NO PMI, and no escrow for taxes or insurance and no payments have been late. 
To make matter worse, I received a mortgage statement from XXXX XXXX XXXX  dated XX/XX/XXXX which says I owe {$1300.00} by XX/XX/XXXX which includes {$1000.00} in post-petition bankruptcy attorney fees plus my monthly payment amount of {$320.00}. XXXX XXXX XXXX  is charging me post-petition Bankruptcy attorney fees that have not been approved by the bankruptcy court. XXXX XXXX XXXX  should not have sent me a bill for these fees. The XX/XX/XXXX mortgage statement states {$300.00} for bankruptcy attorney fees on XX/XX/XXXX and bankruptcy attorney fees on XX/XX/XXXX in the amounts of {$300.00}, {$140.00}, {$95.00} and {$230.00}. If you add those fees together the amount is {$1000.00}. 
XXXX XXXX XXXX  needs to correct there inaccurate reporting of my mortgage account immediately or delete the account from the credit bureaus immediately if they are unwilling to correct. XXXX XXXX XXXX  should also seek approval from the Bankruptcy court if they think that they are entitled to any post-petition bankruptcy attorney fees and not bill me for those fees stating that I must pay them by XX/XX/XXXX. Again, the mortgage did not have any arrearages prior to filling, no PMI and no escrow and the mortgage is paid directly to XXXX XXXX XXXX. XXXX XXXX owns the note and XXXX XXXX is the servicer. XXXX XXXX will not reimburse XXXX XXXX XXXX for bankruptcy attorney fees as the mortgage was not in default and had no arrearages prior to filing Chapter XXXX so XXXX XXXX XXXX  is trying to make me pay. 
I am attaching my mortgage statements from XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for your review to resolve this matter. I am also attaching the communication I sent to XXXX XXXX XXXX requesting they correct there errors and the response I received back from XXXX XXXX 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