Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I am disputing Transunions reporting, on the XXXX XXXX XXXX ( and XXXX  XXXX XXXX ) tradeline. My loan number XXXX. I am disputing these two points, resulting in a lowered credit score : 1. The XXXX XXXX XXXX account was closed by the lender, in XXXX, transferred to XXXX XXXX XXXX, and should not have been reported as open in XXXX. Therefore, the fact that it was closed in XXXX should not affect my credit score. 

2. The XXXX XXXX XXXX Account was paid off in forbearance and, under the CARES Act, should not have had any payment status reported, also affecting my credit score. 


On XX/XX/XXXX, due to COVID-19, I was granted a mortgage forbearance. On XX/XX/XXXX, my forbearance was extended. It was subsequently extended on XX/XX/XXXX and was scheduled to end in XX/XX/XXXX. 

On XX/XX/XXXX I paid off the balance of the mortgage, during the forbearance period. I received a copy of the lien release on XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score decreased. I opened the credit report on the application and saw that Transunion reported that my score dropped 86 points. I investigated further and saw that XXXX XXXX XXXX and XXXX XXXX XXXX accounts were reported as closed. The XXXX XXXX XXXX account was marked as over 120 days late as the worst payment status. 

On XX/XX/XXXX I called XXXX XXXX XXXX to file a dispute. On XX/XX/XXXX I filed an online dispute with Transunion. I saw the dispute status as pending on Transunions online website. There were no details of the dispute, so I could not see what I previously wrote. 

On XX/XX/XXXX I received a call from a XXXX XXXX XXXX representative who states they did not report my payment history as over 120 days late to Transunion. He states, if that was the case, all 3 credit bureaus would be notified. Currently, XXXX and XXXX  are not reporting my payment status as over 120 days late. I concluded the error was with Transunion. 

On XX/XX/XXXX I checked the status of the online dispute on Transunions website. There was no record of the dispute I previously filed. I called Transunion and spoke with a representative. She did not seem to understand what my dispute was about, even though she had a record of the dispute. I had to find the information, in XXXX XXXX, all over again, and inform her why I disputed Transunions reporting. She then informs me that, on her records, it appears my dispute was about the reporting of the payoff of the XXXX XXXX XXXX account. 

I informed the Transunion representative the dispute was about the remark on the report, stating the loan was marked as 'over 120 days late '. I requested that the representative remove the remark from the credit file and informed her of the discrepancy between what XXXX XXXX XXXX  reported and what Transunion furnished on the credit report. 

Transunion is the only credit reporting agency reporting these discprepancies, therefore reducing my credit score, which is significantly different than XXXX  or XXXX.

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