Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This complaint is about TransUnion 's failure in their investigation to correct an error on our behave based on our consumer credit report of our XXXX Account ( mortgage account ). 
On XX/XX/2020, we submitted a credit dispute with TransUnion based on their erroneous credit reporting that our XXXX Account was showing the following : 1 ) In " REMARKS '' Section - shows ACCOUNT IN FORBEARANCE, 2 ) In " TERMS '' Section - shows DEFERRED, 3 ) In " SPECIAL PAYMENT '' Section - shows " PAYMENT DEFERRED  UNTIL XX/XX/2020 '' and 4 ) In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and have failed to report our payments made for those months. 

We are disputing all of the above because our mortgage servicer, XXXX, failed to correct their error when they ERRONEOUSLY reported that our account was in forbearance in XXXX. However, as of XX/XX/2020, XXXX finally corrected their error by removing the forbearance off our XXXX Account and reported this to all the major consumer credit reporting agencies ( See Attached Letter from XXXX   dated XX/XX/2020 ). Therefore, our XXXX ACCOUNT WAS NEVER IN FORBEARANCE AND ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX AND XX/XX/2020. 
On XX/XX/2020, TransUnion completed their credit dispute investigation into our XXXX Account and has failed to correct their error. Their results still shows that our XXXX Account is Account in Forbearance. They have failed to remove the forbearance off from our XXXX Account, failed to remove deferred payments, failed to remove special payments deferred to XX/XX/2020 and failed to report payments made for XXXX, XXXX, XXXX and XX/XX/2020. 

WE ARE DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON OUR CREDIT REPORTS BY REMOVING THE FOLLOWING OFF OUR XXXXXXXX ACCOUNT : 1 ) '' REMARKS '' section REMOVE ACCOUNT IN FORBEARANCE, 2 ) '' TERMS '' section REMOVE DEFERRED, 3 ) REMOVE " SPECIAL PAYMENT '' section - REMOVE " PAYMENT DEFERRED UNTIL XX/XX/2020 '' 4 ) "  PAYMENT HISTORY '' section TO REPORT ALL PAYMENTS MADE FOR XXXX, XXXX, XXXX, XX/XX/2020 and REMOVE UNKNOWN '' FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO XXXX, THEREFORE, TRANSUNION MUST REPORT THESE PAYMENTS ON OUR PAYMENT HISTORY REPORT SINCE OUR ACCOUNT WAS NEVER IN FORBEARANCE. 

Please See the Following Attached Supporting Documents : 1 )  TransUnion Credit Dispute Results Dated XX/XX/2020 2 ) TransUnion Credit Report AFTER Dispute Results XXXX XXXX ) Letter from XXXX   Removed Forbearance - XXXX 4 ) XXXX Account - Not In Forbearance - XXXX 5 ) XXXX Account - Payment History Report - XXXX 6 ) Demand Letter to XXXX to Remove Forbearance XXXX 7 ) XXXX Acknowledgment Email Resolved - Removed Forbearance XXXX XXXX ) XXXX Acknowledgment Email - Cancel Forbearance - XXXX WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE AND OBTAIN A HOME LOAN WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX ACCOUNT IS ERRONEOUSLY REPORTED IN FORBEARANCE. IN ADDITION, THEY FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH FURTHER NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERRORS AS THIS IS PREVENTING US FROM WORKING WITH OTHER LENDERS.

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