Consumer complaint received 2022-07-19
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: Investigation took more than 30 days

Complaint:
My credit report is still showing that theres a missed payment during while I was on forbearance plan. I just spoke with Transunion and they said your research department has not submitted any documentation to correct and remove the negative reporting on my credit. My credit score is still affected and has decreased significantly, which is causing issues when Im trying to make purchases. Please see the attached Transunion credit report that is still showing the negative remark and missed payment for XXXX and XXXX. I spoke with a representative from your loss mitigation department last week and it was confirmed that all the payments during the forbearance plan should have been deferred to the end of the loan by now and I made a payment for this month in XXXX to get back on track and current. 

This has been going on for too long now and its becoming very stressful to deal with this issue. Can someone from this company please take some ownership of this problem and get it fixed. This is causing emotional, mental and financial issue in my life and its very upsetting. I have already filed a dispute with Transunion and I will be filing another complaint to the Consumer Financial Protection Bureau. 

Initial complaint submitted on XX/XX/2022 : I was instructed by the loss mitigation department to email the research department to investigate the status of my loan account. I received a letter on XX/XX/2022 for a payment deferral agreement, which indicates that XXXX payments will be deferred due to the XXXX hardship forbearance plan that I was approved for in XX/XX/2022. In this case, XXXX payments would cover the months of XXXX, XXXX, XXXX, XXXX and XXXX. However, my account was reported 90 days past due and showed up on my XXXX and XXXX credit report. Consumers that are in forbearance plan should not have any negative remarks or late charges/fees on their credit report, per the XXXX hardship forbearance plan guidelines. I have never missed a payment or had any negative remarks on my credit, so this really upsets me. My credit score has decreased significantly as a result of this reporting. 

I have attached a screenshot of my credit report from TransUnion and XXXX, as well as the payment deferral agreement letter and emails that I have sent to XXXX, for your reference to the investigation. I would also like to request that phone recordings from the conversations that I have had with multiple representatives from the loss mitigation department are reviewed to help with this investigation. 

As a result of this investigation, I expect to have this negative remark removed from my credit report and receive communication from your department through email, phone call or letter, confirming that this action was taken. This entire experience working with your company has been a nightmare and caused tremendous stress and hardship for me, both financially and emotionally. I have already filed a complaint to the Consumer Financial Protection Bureau and will proceed with legal action if the investigation is not corrected on my credit report.

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