Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my divorce was final in XX/XX/XXXX. The marital home was given to my ex-husband ( I willingly gave it to him in the divorce ) In my court order it states that I am not financially responsible for the property and as of XX/XX/XXXX I was no longer an owner of the property, per the court order. The court order also states that I would not be liable or any financial obligations or foreclosures since I awarded the house to my EX. It also states that he alone was solely responsible for the property and all financial obligations regarding the mortgage and property. Well I have been fighting this since XX/XX/XXXX I have contacted XXXX XXXX   numerous times and send in the court order on 4 different occasions. XXXX XXXX  refused to do anything. I contacted all three credit beaus and submitted complains and my court orders and still nothing. My ex starting making late payments in XX/XX/XXXX and then eventually foreclosed on the home. Since I no longer owned the home or had any rights regarding it, it was not my obligation and I was never notified regarding the foreclosure because again, it was no longer my home the court legally gave it to my ex-husband. The problem is, late mortgage payments on my credit in XX/XX/XXXX and a foreclosure of a property that I not longer had ownership of. This is FRAUD. I Have a court order stating I can not be penalized and or have any financial obligation or owner ship rights of the property. So how in the world can this be reported against me and effect me negatively when I legally no longer had rights to the property, mortgage or any business regarding the account ( per the divorce order )? I Have been trying repeatedly for the last five years to make the error on my credit right and the credit beaus as well as XXXX XXXX have not even bothered to help or address the matter and basically told me they do not have to honor the court order because its a divorce order? ITS A COURT ORDER AND LEGALLY BINDING. How can I be falsely reported on like that when I had no ownership or knowledge of the property and its business? How do you put a foreclosure or late payment marks on someone who was told by a court of law that they are not to have any dealings with that property or mortgage anymore and its awarded to the other party. Again this is all court ordered, my responsibly to this property and account was terminated by the court in XX/XX/XXXX. This is Fraudulent and illegal reporting and again I have made it known and still the creditors refuse to make it right and correct my credit history. Inaccurate reporting is a crime, not only is it illegal its unethical. This inaccurate reporting has also impacted my life negatively and caused more hardship for my children and I. This is the last time I will ask for the situation to be rectified. I wasn't able to afford an attorney over these last 5 years but I am able to now. Again, I am asking for my credit report to be corrected as it should be. This has been unbelievable and extremely unjust. This is my last attempt to let you make the mistake right before I take legal action against fraudulent and inaccurate reporting.

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