Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I secured this credit card as a means of building my credit. My Social Security number was changed due to XXXX XXXX, and as such- my credit history was deleted. I set this account up on Auto pay from my checking account and consistently made my monthly payments on time, well above the min. due amount. 

In XX/XX/2018, I contacted XXXX XXXX & inquired about my balance, and then made the payment in full online. I subsequently contacted by bank, XXXX XXXX XXXX and requested they put a stop payment on the XXXX XXXX auto payment for the month of XXXX, since I instead paid in full online. In error and unknown to me, XXXX XXXX XXXX put a permanent stop pay on all future XXXX XXXX payments. Nobody ever contacted me from XXXX XXXX to alert me of any payment issue 's. 

In XX/XX/2018, I again contacted XXXX XXXX for my balance & again made the payment in full online. Once again, XXXX XXXX did NOT alert me to the XXXX XXXX XXXX stop payment issue, and allowed me to believe my account was in good standing as it always was. I went online and paid that amount in full, and believed my account to be in good standing. At which time, my credit score was XXXX. 

I come to find out in XX/XX/XXXX, after being denied a car loan- that XXXX XXXX had been reporting my payments as 120 days in default! In fact, the bank that denied my loan was XXXX XXXX XXXX! I immediately contacted XXXX XXXX and inquired why my payments were being reported as in default. It was at this time that XXXX XXXX stated they had not received a payment since XX/XX/XXXX, and all monthly payments since that time had been stopped by XXXX XXXX XXXX, and XXXX XXXX had closed my account. Consequentially, my credit score was now XXXX!!!!! I spoke with multiple representatives and three different supervisors at XXXX XXXX to discuss and correct this issue. Each time, I was told a different story, and each time was told the issue was with my bank- XXXX XXXX XXXX . It took dozens of phone calls to XXXX XXXX to find out exactly what happened with my payments, and what I needed to do in order for XXXX XXXX to re-open my account, and correct the default payments which would then ( hopefully ) fix my credit score. XXXX XXXX stated they needed a letter from my bank on their letterhead, stating it was their ( XXXX ) error. This letter was sent to XXXX XXXX on XX/XX/18. 

Since this time, I have contacted XXXX XXXX weekly. Each time, I have been told they DID NOT receive the letter! XXXX XXXX has continued to report my payments as derogatory, which has continued to destroy my credit. On XX/XX/2018, I spoke to another XXXX XXXX supervisor whom informed me they DID receive the letter from XXXX XXXX XXXX and have everything they need in order to re-open my account and update my payment history. I was told I would receive a letter confirming this had been done within 7 business days. Today, I received a letter from XXXX XXXX dated XX/XX/2018- stating they want ANOTHER letter from XXXX XXXX XXXX . XXXX XXXX has REFUSED to correct this error. They are still reporting to all three credit agencies that I have been 120 days in default since XX/XX/2018. They have DESTROYED my credit! 

I have been denied an auto loan, as well as a residential lease due to their refusal to fix a mistake, that was not my doing!

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