Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good afternoon, Again, the same person or maybe another one without knowledge of anything that is happening. 
On XX/XX/2022 my loan was transfer from XXXX XXXX to XXXX, by that time and to make clear about the letters that you attached on the previous response. I did not receive those letter until XX/XX/ 2022 when I called you to request them. I PERSONALLY called you and XXXX XXXX in order to update myself from all the mess that you created and nobody informed me. Again and for last time, I need the person behind these messages that I got and that dont solve anything to understand the following facts : I was transfer to XXXX on XXXX XXXX, 2022 I had to returned {$730.00} to XXXX XXXX  from a check they sent me saying that I over paid my escrow account. Based on a wrong calculation they did, the sent me the money but after doing another calculation they realized I had to return the {$730.00}, my mortgage payment after the forbearance plan I was in until XXXX 2022 was going to start on XX/XX/XXXX. for {$3100.00} thanks to the modification and I had to pay {$730.00} so that brings the account to be paid ONLY in XX/XX/XXXX, {$3900.00}. Amount that I paid to XXXX XXXX  on XXXX XXXX, 2022 from my bank account from XXXX XXXX XXXXXXXX, ending in XXXX and proof of that is the bank statement I sent 7 times to your email of loss mitigation and to 7 supervisors emails, so to your answer on the previous message you sent me, I did send the statement but not only to you but as well to XXXX XXXX so please do not say that anymore because you have it and all your customer service agents confirmed with me the 51 times I called and spoke to them. After me paying the amount of {$3900.00} to XXXX XXXX XXXXXXXX XXXX continues charging my account for the amount of {$3.00} as it was my monthly payment, but that was never my monthly payment, proof of that all the letters and escrow analysis, XXXX XXXX sent me on that XX/XX/XXXX by email and that you had it, because of all your agents confirmed with me. It was until XX/XX/XXXX after fighting every week during XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX in order to correct that in the system that you finally fix it. Proof of that are all the mortgage statements that you posted in my account and those that dont lie because were issued by XXXX. So yes, I made a payment on XX/XX/XXXX, because I was not going to wait for you to fix something that you didnt fix between XX/XX/XXXX XXXX XX/XX/XXXX. Ive decided since then to use a threat in order to catch your attention and it was start paying late so I did it but I didnt work. Thats because you dont care about anything, you just there calling by automated system and putting a lot mitigation agents in order to call me and request payment. Thanks to God everything is recored so you have all the calls I made with each of the 51 agents Ive spoken to. As said before By XX/XX/XXXX again, I CALLED ( as always me doing everything ) and I finally got one good news, it was that the account was corrected and shows in the system that my payment was no longer {$390000.00} and the right amount was put in the system as {$3100.00}. So my question again to you, if I paid {$3900.00} to XXXX XXXX  on XXXXXXXX XXXX and I all my payments to you were made for an amount of {$310000.00} why do I have unapplied funds? Why your payment history doesnt show that I paid my mortgage on XXXX, XXXX, XXXX, etc. ( attached the payment history from XXXXXXXX XXXX website ) why do you still charge my account wrong and dare to report it to the agencies that I was pass due when I was never pass due? You had the money all the time! but not only that, after all this mess you created I was not only affected healthy wise by this situation but I was affected on the thrust that the supplier working on the remodeling of my house that since everything was finance they run my credit in order to provide me with the supplies for the rest of the projects and they had to stop because you reported my account late 60 days, which was wrong all the time. You had the money because XXXX XXXX  sent you a check with {$5400.00} which included the payment of {$390000.00} and the remaining was part of the little money I had on Escrow because I didnt pay anything on 2022 since I was in forbearance and modification, there was not money in my escrow, so you allocated the money incorrectly, I PUT YOU ON THE PHONE WITH XXXX XXXX  and they explained to you that they sent the check and the {$390000.00} were included in that check. But of course you didnt care because none of the supervisor I was talking to all this time were able to comply with their word and job and finish with this since day one. Ive been doing the job for you and putting all the efforts on this affecting my normal life and nerves trying to make your XXXX agents how the situation was. 
Still after months of fighting you dared to report me as 60 and 99 days late when all this mistake was your responsibility and for the lack of that and all the bad work of your employees I had to face a situation where my house is still undone since I dont have how to complete the job the workers left since they were not able to come back because of the credit being affected and not able to provide me with material and labor. But on top of that, my company on its quarterly check discover in my credit report that I was reported by you and I almost lose my job on that first instance, I had to request a grace period in order to fix this and I was provided twice 3 months to fixed I tile XX/XX/XXXX when they finally fired me. Still today, you dared to send a letter saying that I haven send the statement, you dared to say that I was wrong on the information I provided, you dared to still stick to the idea that you are correct when you have no idea of what is happening? 
Lastly the only one doing something was XXXX XXXX. A supervisor that asked to be called XXXX who is the only one taking this to the level we are now. Of course depending on cash management where XXXX another supervisor that promised me thousand things and found the issue of this account and did nothing, was transfer to. We agreed with XXXX and XXXX from credit department that he was going to clear my name on the credit agencies if I agree to pay what you havent clear out, plus the month of XXXX and he was going to send the report to the agencies that I was never late and I was ll the time current and that my account was current. I agreed and immediately sent the money, the deal was, they will find the money {$3900.00} and apply it to my account for the next month which I hope could be XXXX since I still hope you fulfill your word that you needed until XX/XX/XXXX, ( the 4th extension I gave you ) to finish this investigation. So I paid {$730.00} to put with the unapplied funds of {$2400.00} and cover one month ( again I dont know where those unapplied funds of {$2400.00} came from because Ive always paid my mi they payment as it was {$3100.00} ) plus two months more in order for him to do that. And I want you to listen to that recording in order to prove the truth! However the same day, I had to call XXXX because my account was reported again as 90 days late in the agencies and I was so mad but she asked me to give XXXX an opportunity since he was working on sending the letter and updating my account with the agencies. Turns out I had this weekend another report from XXXX that my account was reported pass due and a flag with 90 days past due. Not only I lost my job, my house is undone, my life is a mess but you are laughing at me doing what you want. But on top of that, you dare to answer to this complaint again with XXXX and lies, not even informing yourself with the situation! Not even calling to get an update and the truth behind all this! And you continue ruining my life after the letter XXXX sent me saying that my account was never late and is current but you are the only one with no knowledge on how to answer this because you have no idea of anything!!! But still date yourself to answer this important credit concern with lies and being miss informed? 
Please stop this show of covering you company and accept once and for all that dont have the capability to do this job and clarify this account, ask me for help so I can contact my attorney and have a discovery of the documents I have and not the mask you are putting with all the documents that you have and that are wrong because nothing matches the information I have from XXXX website and all my bank statements. 
I finally want XXXX from the credit department and XXXX to fix this account and stop putting excuses that I was late and I was pass due, you owe me {$3900.00} and you have credit it to my account for the month of XXXX. 
Ill have a remaining {$730.00} that either you applied to the Escrow account. Where it is supposed to be or a credit to the next month of XXXX. 
But I want you to stop saying the same thing and copying the same document because you got them in the same way I got them by email on XX/XX/XXXX. Also, check on the payment history ( attached here ) to see the mess you have there. And finally fulfill your word and fix my credit I need to continue with my life and you have everything to do it right as it should be since day one.

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