Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed several complaints already regarding XXXX XXXX, XXXX in my loan and payment history XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Refer to complaint # s XXXX, XXXX, XXXX, XXXX. My credit reports show 4 different banks loaning me XXXX, 3 on XX/XX/XXXX and another on XX/XX/XXXX. One of which is XXXX XXXX XXXX XXXX on XX/XX/XXXX.. XXXX indicates XXXX XXXX XXXX XXXX , XXXX, LA, is servicer and investor on XX/XX/XXXX with min # matching my loan number so this indicates that XXXX was indeed the lender/servicer. Notarized documents XX/XX/XXXX are from Louisiana as well. The Loan that I signed for that amount and that date was with XXXX who is not listed on the credit report nor XXXX. XX/XX/XXXX loan document liabilities worksheet lists acct type mortgage for XXXX owing to XXXX XXXX XXXX with remaining term of 142 months and acct type revolving loan XXXX owing to XXXX XXXX remaining term 144 months. Lets see, in XX/XX/XXXX I purchased the property, refinanced in XX/XX/XXXX and XX/XX/XXXX which XXXX shows XXXX XXXX XXXX as servicer on both to whom I never made a single payment to. So as of XX/XX/XXXX I had already been making payments on a mortgage for approx 17 years for a house only lived in for 6 yrs? The revolving acct type was a XX/XX/XXXX HELOC/consumer installment note, for XXXX in which XXXX XXXX was lender, this loan does not show up on the credit report as well, but shows an amount for XXXX which has been paid off. Additionally on liability worksheet apparent delinquent property taxes in the amount of XXXX. Which may also appear on loan documents somewhere as lender title insurance fee. Not addressed in previous complaint marked as resolved is the issue of the " fake loan '' in XX/XX/XXXX. Which shows a liability to XXXX XXXX for XXXX. Payments prior to XX/XX/XXXX where made to XXXX residential lending, from XX/XX/XXXX-XX/XX/XXXX who followed XXXX aka XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX did not reference or explain any of the XX/XX/XXXX refi loan documents that I submitted for the complaint as suggested by CFPB. Foreclosure paperwork initiated by " XXXX '' XX/XX/XXXX, foreclosing documents sent to me included the XX/XX/XXXX XXXX Deed Of Trust, recorded XX/XX/XXXX XXXX XXXX Auditor file XXXX. The XX/XX/XXXX loan documents indicate that Public records indicate that I still have a XXXX XXXX lien after the foreclosure/sale of my property occurring on XX/XX/XXXX. Two full reconveyances recorded XX/XX/XXXX have since been removed from my XXXX summary at the XXXX XXXX Auditor without any further assignments and/or changes after XX/XX/XXXX until XX/XX/XXXX. The credit report indicates a wrong initiation date of foreclosure. Transunion represenative informs me I am still making payments to XXXX XXXX XXXX with whom I have a high credit limit of XXXX. I have not made payments on that XXXX XXXX loan since XX/XX/XXXX. Additionally in XX/XX/XXXX the heloc loan was to be paid off which I suspect never was. The XX/XX/XXXX refi was to be a fixed rate and done to get out of the XX/XX/XXXX ARM loan. I can make heads nor tails from the credit report re the interest rate on the loan. It indicates its an adjustable rate, which I already said it could be considered that with the Home Affordable Loan Modification that is not recorded. The 2005 Deed of Trust also included an adjustable rate note and an adjustable rate rider, only one of those is barcoded, the land description, has mismatched fonts and may not have been even included with the deed, The deed itself has many changes after I signed it. I have received a XXXX, apparently related to the sale on XX/XX/XXXX with amounts listed on it that makes no sense, yet I still have a debt of XXXX out there somewhere. There is evidence of two loans since XX/XX/XXXX. I suspect that the person I purchased the home from is not the real owner of the property.

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