Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has incorrectly posted my account information ( account # XXXX ) to the credit bureaus XXXX, Transunion and XXXX by declaring my account is 120 days past due with a balance when I have a letter from the company stating my account is pay off in full with a XXXX balance. I originated this account with XXXX back in XXXX, they sold the account to XXXX in XXXX and XXXX converted in XXXX. First this company was mailing my statements to the incorrect address XXXX XXXX XXXX XXXX, FL XXXX. Second, the information sent by this company on the monthly statement was not displaying the actual balance on the account, the statement mentions property address XXXX XXXX XXXX XXXX, FL XXXX and I do n't own this property, this account is not related to a mortgage, it was an unsecure loan. Thirdly, this account has not been managed well and it lacks of creability from the lender 's part. I made a payment on XXXX XXXX, XXXX for the amount of XXXX which was the amount listed on a payoff letter I got from their website. After making this payment, I looked the account and notice an outstanding balance of {$1.00}. I paid this amount on XXXX XXXX, XXXX. On the statements provided with this correspondence does never indicate any late fee XXXX to my account and in my credit report for XXXX and XXXX XXXX, the account was reported to XXXX and Transunion as OK ( proof attached ). 
I did not hear from this company until XXXX XXXX, saying I had a balance of $ XXXX.I asked an explanation since I stated having trust issues with this company. I never received written information about the amount they claimed I own them after I paid in full the account. ( Notice documents attached with a {$0.00} balance due as XXXX/XXXX/XXXX. This company has been extremely neglecting my requests of proof debt. Every time I contacted them they can not find my account arguing I do n't have a mortgage account with them, they transferred me to legal department. Anyhow, I did not want any negative information about my account sent to the credit bureaus and I sent a payment on XXXX XXXX, XXXX I submitted a payment of {$110.00} which was a higher amount than what they billed me ( {$110.00} ). With my payment I requested a XXXX Balance Letter which the lender provided to me. The XXXX balance letter ( attached ) was dated XXXX XXXX, XXXX. I DO N'T OWN ANYTHING TO THIS COMPANY AND MY ACCOUNT WAS CLOSED IN GOOD STANDING NOT 120 DAYS PAST DUE. 
On XXXX XXXX, XXXX, I received a notification by XXXX that a negative account was reported on my credit report and when I verified that XXXX was the company reporting that not only that I owned them money, but that the account was XXXX past due and closed. I proceed to contact XXXX and their customer service representatives were rude and even told me that they could not do anything, the representative name XXXX at extension XXXX told me that she was not able to do anything with my account that she was in collection, that she saw a paid in full letter in the system, but since the account was close that I needed to send the letter to the credit bureaus and have them correct the information. She said that the letter provided by XXXX was going to be sufficient for the credit bureaus to correct their error. Within my conversation with over four representatives many of them saying I did not have an account with them, the representatives from this company did not took ownership of their error and did not even attempt to help me or to result my problem. The impact of the error made by XXXX has had my credit score drop over XXXX points not only that it has caused stress and required me to take time off from work to try to result the issue.

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