Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In early of 2018 I started a modification of my mortgage. I had paid my mortgage every month but not on the first of the month. I was not 30 days late. I continued to make my payment and in XX/XX/XXXX I started to make my payment on the XXXXaf the month, gor the month of XX/XX/XXXX. I was told at that time that my modification was accepted and I was in the trial period. I still tried to make my XX/XX/XXXX payment but the lady wouldn't accept it. She said because of the modification she couldn't take it and that it would mess up the modification. At that point I asked her if this would mess up my credit would I be reported late. She said no it would not be reported late because I was now in the modification. We discussed other things then I turned around and a satirist second time are you sure this is not going to affect my credit negatively. She again said no this was a recorded conversation.

Later when I looked at my credit report a couple months later I had indeed been marked late for 30 days and then consecutively after that I had been marked late. I had paid my modification on time I am now in the set modification. I have not missed a payment I've paid it on time they still will not correct this. I called and talked to customer service they went back and listened to the tape and they said you did ask twice and she said twice it would not hurt your credit. they said that they would try and call the credit reporting department and put in a complaint to get this taken care of and I would be notified. Twice I've tried to take care of this problem with them and twice they refuse to report correctly. I am taking it to you guys hoping that they will correct it I am going to have to get a lawyer if can't do anything.

Since all this has happened my modification is not being reported. They haven't reported that my loan amount was lowered my payment was lowered they have not reported that I've been on time. It seems like they are doing anything they can to destroy my credit. I was never late on my mortgage and I would have probably not went through the modification if I knew it was going to destroy my credit like this. It saved me {$300.00} but I can't get a new car or it's going to cost me another XXXX. My insurance has went up on my house and my car. So they really haven't saved me any money.

the recording on the phone call happened XX/XX/XXXX or XX/XX/2018 and then I spoke to somebody I believe again in XX/XX/XXXX. The phone call in XX/XX/XXXX agreed that they had told me wrong and it was their fault. But the credit reporting department is refusing to do anything about it. If you could get the recording from those days you will see exactly what I was being told. I want all lates removed off of my credit report, all bureaus. I want my payment on the credit report to show correctly reflecting the modified rate and I want the amount that I still owe to show correct modified amount.

I also think that there should be fines to this bank for reporting incorrectly on purpose after being notified and listening to the recordings.

Thank you, 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