Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIRD CFPB REQUEST FOR THE SAME ISSUE, WHICH XXXX CLAIMED TWICE IN WRITTING THAT THEY RESOLVED WITH THE CREDIT REPORTING AGENCIES. 

REQUEST : A XXXX MEMBER ADVOCACY UNIT MANANGER 'S REVIEW AND INTERVENTION INTO THIS ONGOING ISSUE. 

During XX/XX/XXXX, I mailed my monthly personal payment check on time in the amount of {$180.00} to XXXX Bank regarding my XXXX RV loan. The actual payment was {$180.00}. Therefore, I inadvertently wrote my check to XXXX XXXX cents short. As soon as XXXX notified me via mail of my error, I immediately mailed a check to XXXX for XXXX cents to correct my mistake. I soon thereafter discovered during my home refinance loan process, that XXXX issued on my RV account a 30 day late and reported that to the 3 major credit reporting agencies. I have been a member with XXXX for over 40 years. As a result, I assumed that I wrote an apology letter to them ( I wrote several letters to XXXX ) that they would forgive me for this one- time minor error. Instead, XXXX wrote back in one of their letters that my request for forgiveness was viewed by them as " frivolous '' and that the 30 day late mark stood. 

In response, I wrote my first CFPB complaint during approximately XX/XX/XXXX. In response to that first CFBP complaint, XXXX via my telephonic conversation with the assigned XXXX ' Member Advocacy Representative, and via later confirmation letter, that XXXX decided to forgave my XXXX cent mistake and that they would notify the three major credit reporting agency 's that the 30 day late was removed. However, days later, Transunion reported to me that they received no such related notification from XXXX ( The other two CRA 's were notified by XXXX ). So in response, Transunion agreed to do a dispute investigation. When Transunion contacted XXXX 's Consumer Reporting Unit, that Unit informed Transunion that the 30 day late was never removed and that it was active. As a result, Transunion maintained the 30 day late and reported the 30 day late information to the two remaining major credit reporting agencies. 

In response, I wrote a second CFPB complaint regarding the same unresolved 30 day late issue and the miscommunications that XXXX Consumer Reporting Unit had with Transunion. The XXXX assigned Member Advocacy Representative informed me on her CFPB response that XXXX 's Consumer Reporting Unit inadvertently responded incorrectly to Transunion that the 30 day late was valid. The XXXX Member Advocacy Representative wrote, " Please know that we have addressed this with those involved in order to prevent a reoccurrence. On XX/XX/XXXX we confirmed with all three CRA 's that the delinquency is no longer reporting ''. When I called Transunion a week later to confirm that statement, Transunion claimed that according to their their database, XXXX never notified them to remove the related 30 day late. So in response again, Transunion agreed to do another dispute investigation. When Transunion contacted XXXX 's Consumer Reporting Unit again, that Unit again informed Transunion that the related 30 day late was never removed and that it was active. As a result, Transunion maintained the 30 day late and again reported the 30 day late to the two remaining major credit reporting agencies. So I am back to square one on this issue!!!!! 

In my continued frustration with XXXX, I have left numerous ( calm and respectful ) voicemail messages with the related XXXX Member Advocacy Representative that was assigned to my case. I explained to her the aforementioned continued circumstances. In my messages to her, I politely requested that she contact Transunion regarding XXXX 's repeated miscommunications.. I have not heard back from this XXXX Representative and thus assumed she must have contacted Transunion about the related issue. On XXXX, when I telephone Transunion, they informed me that XXXX is still maintaining that the related 30 day late is valid. 

So again, I have decided to file a third request for a dispute investigation with Transunion. 

I am so frustrated with XXXX regarding this XXXX cent mistake issue ( which I am clearly to blame for ). But I'm also frustrated at XXXX 's continued miscommunications ( or lack of ) with Transunion and with their own Consumer Reporting Unit. So in response, I have decided to write a third CFPB complaint for the same XXXX cent / 30 day late issue. Again, I am respectfully requesting that a XXXX Member Advocacy Manager review the circumstances of this case and then please call me on my employment cellular telephone ( on file with XXXX ) regarding how to possibly resolve this same repeated issue. Thank you.

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