Consumer complaint received 2020-03-19
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 status incorrect

Complaint:
Adjustment of Credit Report for XXXX XXXX by TransUnion Credit reporting services with recalculation of credit score needed by Transunion. 
Personal Credit score low due to reporting issues that were beyond my control due to incorrect action or inaction by lending institutions. 1.

" Re : XXXX XXXX XXXX shows correctly payments through XX/XX/XXXX. I initiated a request In XX/XX/XXXX for lower interest payments under the Economic Recovery Act and for extended payment period due to unemployment. 
2. From XXXX records, this loan was transferred to XXXX XXXX XXXX  XX/XX/XXXX, without my knowledge and with NO notification to me. The XX/XX/XXXX and XX/XX/XXXX payments were NOT MADE because I did not know loan was transferred. No written notification of change from XXXX or XXXX. Error by bank? I had request in progress with XXXX  to delay payment and reduce interest rates at this time. 
When I called XXXX XXXX in XX/XX/XXXX I found the loan was in " Charged Off '' Status as of XX/XX/XXXX. I was calling to advise them when I could make back payments, of the loan. I was told at that time, by phone, that they no longer held the loan. 
This loan went to XXXX  and shows no payment in XX/XX/XXXX and XX/XX/XXXX - They show the payments from date of purchase of the home from XX/XX/XXXX when I bought the home. This loan account was closed XX/XX/XXXX " transferred to another lender ''. Again without my knowledge. I did get notification in writing of the change to XXXX XXXX XXXX and I began payments with XXXX XXXX XXXX XX/XX/XXXX, with my first advisement that the loan was being manged by this company. 
The loan held by XXXX was not known to me at that time. I believe it was improper for XXXX to transfer the loan to another lender when my request for Lower Interest and  extended pay period due to unemployment was in progress. They also gave me NO notice of the XXXX  but did write to tell me about the XXXX XXXX XXXX change. 
Please REMOVE the XXXX  Account Information and the XXXX account should be REMOVED from my Credit Report. The XXXX  period of XX/XX/XXXX - XX/XX/XXXX were for payments and loan provider I did not know about to make a payment. The XXXX was in error selling this mortgage in early XXXX and it was later sold to XXXX also inappropriately, without resolving issues of payoff extension under Economic Recovery Act regulations and options. However, knowing of this new loan servicing at XXXX, I began paying them as soon as I knew they had the loan. 
3. The XXXX account issues in XX/XX/XXXX to XX/XX/XXXX were an error by XXXX, depositing the check I sent for XX/XX/XXXX loan payment in my escrow account - identifying payments in these months as " late payments ''. They advised me they would not identify this as MY problem on my credit report. They should not be reporting this as late. 
4. The XXXX  XXXX XXXX Account is for payments of unemplyment benefits and is not used for long periods of time or if I am not getting Department of Employment Benefits. 
There is also payments made from employer that show as " account balance '' in the other XXXX Account. These were amounts I was paid by employer. 
5. XXXX XXXX Account Information show period from XX/XX/XXXX to XX/XX/XXXX when I tried to get clarification of how to make payments, sending them my correct address XX/XX/XXXX with confusion about who to pay. I have filed a formal complaint with CFPB about this matter and it has been forwarded by CFPB to FDIC for Banking irregularities by XXXX XXXX. Please discount this matter from my credit score. 
I would like TransUnion  to advise me by email when these changes are made and let me know my current credit score.

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