Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is an addendum to an existing complaint that I filed through the CFPB. I will tell the story from the beginning. I received an email from XXXX stating that my credit rating has gone down a large amount and that the reason why is because I was delinquent on a mortgage payment and this information was being reported by Trans Union. The first phone call I made was to the bank that I had the Mortgage with an XXXX why they were reporting me delinquent on a mortgage that I had paid off. They got back to me right away and told me that they never reported to anybody that I was delinquent. They went on to explain to me that they fill out one uniform Universal form that goes to all of the credit reporting agencies. They fill this out once a month and turn it in. It mediately gave me a copy of the last form they sent in concerning me. It showed that the accountant been closed paid off and no delinquent payments. So I contacted Trans Union Trans Union told me that I had to file a dispute I tried to explain to Trans Union that the bank and I did not have a dispute in the Trans Union made a mistake. Trans Union insisted that the only mistake made is by XXXX XXXX   if the errors were wrong. So I filed a dispute and I called XXXX XXXX  again. XXXX responded right away to the dispute. They stated that I was never delinquent on the Loan. I then contacted Trans Union stated they needed another maybe 60 days to respond to the delinquency even though the bank had responded within a day and they told me that they could not looking to the dispute while it was Still open. So I close the dispute. They then could see the statement from the bank stating that I was not delinquent. So in response to the complaint Trans Union stated that if I disagreed with their findings I should call them and that I should get in contact with the creditor. The Trans Union it already known that I was in contact with the creditor several times. When I called TransUnion yesterday they told me that they only report that they could see from the bank came in to Trans Union around XXXX XXXX. That information agrees withWhat XXXXXXXX XXXX told me. So I asked Trans Union why I was reported as delinquent again. They told me that there must be a statement from the bank. I asked for a copy of that statement many times. They told me they dont see a statement from the bank. So I asked my Trans Union reported me delinquent. And they said that there had to be a report from the bank but they cant find it. I cant find it because the bank never submitted it. I am attaching to this report a copy of the email I got from XXXX is approved the Trans Union went public with my credit rating being in poor shape than it was before the Error. I am also attached a copy of the Trans Union website alerting me to a delinquency that has been attached to my credit report. I wan na repeat that. Trans Union told me and you can read it for yourself that the information of me being delinquent was on my credit report. I am also attaching a copy of all reports given to me by XXXXXXXX XXXX. The credit report credit reportFrom late XXXX or early XXXX he has a code 13.  The bank explain to me that code 13 means that an account has been paid off with no delinquent payments. So again I will ask Trans Union for a copy of the statement they claim they have from XXXX XXXX   stating that I was delinquent. Again I want to state and then my phone call yesterday Trans Union could not find it nor would they explain how that ended up on my credit report without having a copy of the report on the bank

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