Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020, I notified Transunion, via CFPBs complaint portal, that there were XXXX incorrect accounts on my credit report, which inaccurately report late payments for XX/XX/2020. My previous complaint is as follows : XXXX, XXXX, Transunion, XXXX  XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX  XXXX  and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX  and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX  in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 

Despite making my complaint on XX/XX/XXXX, Transunion responding but stating these accounts are not currently on my credit report, which is not true. The two accounts in question are from XXXX XXXX and XXXX XXXX, and both appear on my credit report as XXXX XXXX  XXXX XXXX  with late payment for XX/XX/2020. As I previously stated in the XX/XX/XXXX complaint, these late payments are inaccurate and should be removed immediately. Transunion is failing to remove this unverified and inaccurate information by acting as though these accounts dont exist. I refreshed my credit report from XXXX and as of XX/XX/2020, both accounts are on my credit report and reflect late payments.

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