Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reporting my XXXX XXXX Account inaccurately. The errors are noted below and seen in Exhibit A : *Worst Payment Status : 30-59 Days Late *Times  30/60/90 Days Late : 3/0/0 *XX/XX/2018 Late Payments are shown for the months of XXXX, XXXX and XXXX XXXX XXXX XXXX , our mortgage servicer, made terrible mistakes on our mortgage account. We tried everything to have them correct their errors, however they completely ignored every request we made. Finally, we contacted XXXX and told them of the inexcusable errors they were making in addition to their repeated ignorance of our many requests to correct the errors. XXXX intervened and the errors were corrected. 
I have disputed the above inaccuracies to Transunion. They advised their investigation was complete, however, they returned the same credit report, with the same errors as before. 
I have enclosed the Complaint to CFPB about XXXX ( Exhibit B ), their response ( Exhibit C ) and our Feedback ( Exhibit D ). Please note XXXX statement in their response, that all errors have been corrected : We have also waived all fees and late charges associated with the issue. We amended the credit for XXXX XXXX for the months of XXXX, XXXX and XX/XX/2018which is confirmed in the attached response to a duplicate complaint that you sent to our Customer Care Department. 
I have also enclosed Freedoms letter dated XX/XX/XXXX ( Exhibit E ) that is referred to in the paragraph above. Please  note the following statements : After reviewing your account, our research confirms an update for XXXX XXXX XXXX has been completed with the four national credit bureaus to reflect the loan as current for the months XXXX, XXXX, XXXX and XXXX, XXXX with XXXX XXXX XXXX. Our update was made manually through our updating system XXXX, which provides our borrowers with an AUD ( Automated Universal Data ) tracking number for the changes made. Please utilize AUD XXXX reference this update. 
We understand you received a monthly billing statement advising a past due amount. An update has been made to include the balance into the completed modification. An incorrect delinquent interest was used during the process of billing statement in which we have corrected. Also, we have waived the previously late fees assessed as well as the additional fees accrued toward the account. 
It appears Transunions investigation did not meet the standards required by law. In addition, we understood the corrected credit report would be re-sent to any creditor requesting same within the last six months and that Transunion would communicate the corrected errors to the three other credit reporting agencies.

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