Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime in   XX/XX/XXXX   I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started  on  XX/XX/XXXX .  The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as well. The first problem arises on my CBR, showing a debt of over 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Afte r 4-5 m onths,  XXXX  transferred or sold this loan to  XXXX   XXXX   XXXX , who claim I misse d 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o aft er 180 days  of delinquency? This loan o nly shows 3 miss ed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showin g  XX/XX/XXXX .      I have been trying to get this issue resolved for almost  2    years. I have n't received a bill in nearl y 3 ye ars, and in the past it had been nearly impossible for representatives for  XXXX   XXXX   XXXX  to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  XXXX   XXXX   XXXX  until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to  a 3rd part y, its still with  XXXX   XXXX   XXXX  and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in n early 3 years , and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on   XXXX   XXXX   XXXX  s part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount and  XXXX   XXXX   XXXX  ) and where it shows I only miss ed 3 payment s, then the loan C/O.

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