Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Starting around   XX/XX/XXXX   I entered into a loan modification with  XXXX   XXXX . I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in   XX/XX/XXXX  ,  XXXX  continued to report that I was  30, 60, 90, a nd even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX   ;  finally showing as current beginning  XX/XX/XXXX   through   XX/XX/XXXX  .  XXXX  accepted a nominal loan amount from HUD for the amount  XXXX  indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with  XXXX  for over 2 years to correct the reporting to my credit.  XXXX  informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around   XX/XX/XXXX   I filed a dispute inquiry with   XXXX  . The result of that dispute is that  XXXX  reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to  XXXX  around   XX/XX/XXXX .  I indicated that since  XXXX  can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then  XXXX  must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than  10  business days. I received several letters from   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  and their  XXXX    XXXX   indicating that they " are unable to provide you with a response '' and they need more time. Today is the  XXXX  business day. I called  XXXX  's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in  XXXX  and that I should allow them "  XXXX  to  XXXX  more business days to locate that information. '' I sold my home at the end o f  XX/XX/XXXX   and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since  XX/XX/XXXX  related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from  XXXX  , still in the loan modification trial period.   I have additional documentation if needed.

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