Consumer complaint received 2016-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has been fraudulently reporting false information to all three credit bureaus. I sent my mortgage payment receipts to all three credit bureaus and they could not settle my disputes, because XXXX XXXX continued to falsify their reports. I contacted the XXXX XXXX Department in XX/XX/XXXX when I received my first collection letter, and someone named XXXX XXXX told me that the XXXX XXXX Department did not send out that letter. That letter was sent out by the Customer Service Department, and he could clearly see my XX/XX/XXXX mortgage payment " in the system. '' I have spoken to the Customer Service Department every month, and the Customer Service Supervisor, XXXX XXXX, states that she will take care of this, but she never does. I called XXXX XXXX in the Collections Department at least four times in XX/XX/XXXX and XXXX, and he stated that he would contact XXXX XXXX directly himself to see whether he could get this resolved for me. He later told me that he spoke with her and she would take care of it. I tried to file a complaint with FTC, but that phone number and website only referred me to CFPB. I will be going to the U.S. Attorney 's Office in XXXX XXXX, XXXX. tomorrow morning with all the copies of my documentation. A nice lady at Transunion Special Handling finally told me that the reason they could not resolve my dispute with my payment receipt of {$700.00} is because they do not know how much I really owe, only that I paid {$700.00} every month. That gave me the idea to start my upload of documents with my mortgage payment slip for XXXX 2015 showing that I owe $ XXXX monthly with a late date of XXXX XXXX. I paid on XXXX XXXX online which was processed on XXXX XXXX. The reason that my payment stub was not used or stamped is that I paid online. In addition to the receipts for my online payments for XXXX, XXXX, and XXXX, I am uploading my XXXX checking account statements which show that my online payments were actually a transfer each month from my XXXX checking account to my XXXX mortgage account in the amount of {$700.00}. I do not understand why people or institutions commit fraud and why they are so bold as to continue the fraud each month, but I believe that this is their " standard business practice '' or I would have filed an EEO complaint. I can only speculate that their intent is to lower my credit score so that I will not be able to get a lower interest rate with a different bank. Please send this complaint to Transunion as the original dispute case number is the one for that credit bureau. I suppose that I will have to make XXXX complaints to settle all three credit bureau 's reporting. XXXX is in violation of the Fair Credit Reporting Act and I know that I can sue them, but I would have to wait until XXXX, because I would not want to miss a court date during a summer trip to XXXX. I would prefer that they receive criminal penalties, so I will be asking the U.S. Attorney 's Office tomorrow for guidance to see whether they will show me how to file a criminal complaint against the bank, not against the 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