Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit report pulled from TransUnion by my business ( not personal ) financial institution and it shows no reportage of me having had a home mortgage ; I have had a home mortgage consistently for over 20 years through XXXX XXXX XXXX XXXX XXXX in XXXX, MO. 

I have contacted XXXX XXXX XXXX XXXX XXXX several times with concerns of my mortgage being unreported in the past. I have been told by various mortgage department employees, including XXXX XXXX the Executive Vice President, that my mortgage would get reported. I have contacted them approximately a dozen times over 20 years attempting to have them report my mortgage to all credit agencies. Several of the people I contacted remembered me trying to resolve this in the past, including Mr. XXXX. Each time my credit report has been pulled over the years my mortgage through XXXX XXXX fails to appear. After multiple occurrences I asked an employee of XXXX XXXX XXXX mortgage department why the difficulty and how hard it was to report it, they replied, " we just need to flip a switch. '' I again asked them to report as I had many times over the years. Each time I asked I was told they would start reporting immediately to all credit agencies. I would find later ; they had not reported my mortgage and did not inform me at any time over 20+ years that is was not being reported. 

In spring of 2020 while I was attempting to acquire a line of credit from my business financial institution, I was told I had a very low credit score from TransUnion reporting agency. On the report it showed credit cards, bank accounts, student loans and a small line of credit but no record of ever having a home mortgage. 

Within a week of finding this I contacted XXXX XXXX XXXX XXXX XXXX by telephone and asked to speak to someone in the mortgage department. I spoke to a woman ( unknown name ) and asked why they continued to not report my mortgage to TransUnion and she said they do not report to TransUnion unless specifically asked. I asked if they could report it since it is affecting my ability to continue to establish credit for my business. She said she would have to get approval ( she did not say from whom ) to report to TransUnion then return my call. She called a few days later and told me they will not report to TransUnion even after I specifically requested it. I was given no reason or remedy for this decision. 

After speaking to my business banker about this he expressed concern about the actions of XXXX XXXX and said I may want to report this to the CFPB and that is what I have done. 

The actions of XXXX XXXX have significantly and negatively affected my credit score and has done so for over 20 years. If reported, 20 years of on time payments for a mortgage would raise my score exponentially.

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