Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My home loan was sold with XXXX to XXXX and they were mailing the information to the incorrect address so I never received the information. When I finally received the notice I made the initial payments through Bill Pay and my bank XXXX. Because it was a mortgage company and not a bank checks were being mailed to XXXX by my mortgage company. The payments continued to be made by me. I received a notice from my friend at my property address in XXXX  which was forwarded to me at my XXXX  address where I reside stating the payments were delinquent. I contacted the Mortgage Company which is now XXXX XXXX as they merged in XX/XX/XXXX. I was told they would research the payments and not to worry that my credit would not be affected. I sent the documentation to XXXX XXXX to show I made the payments and yet the checks were uncashed and were in fact mailed to the correct address. I tried calling numerous times asking for a supervisor without a returned call. Then in around XXXX I pulled my credit was I was looking for a loan as saw the numerous fraudulent reports on my credit from XXXX XXXX XXXX!!! I have had my home loan since XXXX and have never been late!! This is fraudulent deceptive behaviors by XXXX XXXX to try to take my home! I could not even talk to someone to find out how much my loan payment was so I started making large payments to ensure they did not take my home. Fortunately I was in a position to do so. Had I been a retiree for example they may have been successful. I found out they sent someone to the property to do an inspection to start the foreclosure process all without NEVER getting ONE CALL IN TO ME and My calling them several times a week throughout the entire process. Below is the information from XXXX to show the payments were made. They have never been located by the Mortgage Company nor do I believe they tried There is a difference between not paying a bill and the Company not accurately applying the monies. Based on my research this is common practice for them some over 90M dollars and more coming!! 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My request is for this late notices to be REMOVED from ALL credit reports immediately!! 

On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX wrote : Hi XXXX, Please see below for Bill pay payment history and tracking from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$2400.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$2600.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$4400.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$6000.00} XX/XX/XXXX XXXX XXXX * XXXX Company Single Paid {$4000.00} XX/XX/XXXX Please let me know if you have any additional questions or concerns. 



Sincerely, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX | XXXX XXXX, Texas XXXX Direct : ( XXXX ) XXXX | Office : ( XXXX ) XXXX ext. XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Email : 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 non-monetary relief