Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XX/XX/XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XX/XX/XXXX.I took it a step further and decided to contact XXXX to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XX/XX/XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ 4k since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XX/XX/XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed XXXX that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from XXXX has wanted to take accountability and accommodate me with what I was originally told. I 've even provided XXXX proof of the information displayed on their website at the time and asked them to pull the calls. XXXX has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from XXXX on XX/XX/XXXX at XXXX. Her contact number is XXXX Ext:XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XX/XX/XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and XXXX with the burden of proof to justify my claim. Its sad because I was a loyal customer with XXXX and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use XXXX and will likely spread the word of how this company operates unethically.

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