Consumer complaint received 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting inaccurate information to credit bureau and my account is closed. On XXXX XXXX XXXX, Loan # XXXX was PAID in FULL with the sale of the property that retained this loan. The funds were transferred over to XXXX XXXX Bank on XXXX XXXX XXXX, these funds were never applied to this account until XXXX XXXX and this account was then marked Paid in Full. Along with the funds being applied XXXX XXXX charged me a late fee on XXXX XXXX even though this account was paid off in full on XXXX XXXX when they received the funds. I have tried to deal with XXXX XXXX. I spoke to a man named XXXX a CSR @ XXXX XXXX on XX/XX/XXXX he told me he would transfer me to XXXX which was a Senior Rep for XXXX XXXX which could handle this matter without a problem. That is when this nightmare began. XXXX told me to draw up a GOOD WILL ADJUSTMENT letter and fax it over to the Correspondent team at XXXX which I did as soon as I got off the phone. That the Correspondent Mgr will assign my letter to a CSR and then the adjustments will be made right away, that they do it all the time. And also XXXX said this was the only way to get a hold of the " FACELESS DEPARTMENT '', was by fax only. I received a call on XXXX from a gentlemen named XXXX XXXX, I could barely make out the voicemail due to him talking so fast and him muting the mic so the background noise would not be on the voicemail. I could not call him back due to him leaving such a bad voicemail. XXXX XXXX @ XXXX XXXX contacted me again on XX/XX/XXXX on this matter of the inaccurate information they are putting on my credit report. I was told SO, by XXXX. This is one very rude customer service rep for XXXX XXXX. He began his speech to me regarding XXXX XXXX by a scripted speech. I told him to stop that is not what I wanted to hear. That is when he He told me that it is against the law to make any changes like that to a credit report, and if he did make any changes to the good that the XXXX credit bureaus would not allow XXXX XXXX to report to them any longer. And that the only changes he will be making to my credit report is NEGATIVE. I was then told by XXXX I would receive a call either XX/XX/XXXX or XX/XX/XXXX from him and never did. I woke up this morning XX/XX/XXXX to find an email from the XXXX credit bureau 's that NEGATIVE marks have been placed across all XXXX of my credit reports for 90+ days late. I tried to explain to XXXX on XX/XX/XXXX that I am in the process of obtaining a new mortgage and his comment was " HA HA GOOD LUCK WITH THAT ''! Every time my wife spoke to someone she was told " Your account is locked down to be paid off, and you have nothing to worry about ''. XXXX ID # XXXX was the last person that even told my wife, " Do n't worry the account is locked down and your account is scheduled to be closed and paid off in full. No need to worry about the payment. '' But now I have the issue with obtaining a mortgage because of these negative marks on my credit report. On XX/XX/XXXX I contacted XXXX XXXX for a NEW MORTGAGE and spoke to XXXX " XXXX '' XXXX XXXX who pulled up my mortgage acct that i had with XXXX XXXX, he stated I had a EXCELLENT ACCOUNT HISTORY with XXXX XXXX and I was showing NEVER BEING LATE the entire time with them. And that my account was reporting it was PAID OFF IN FULL ON XXXX XXXX XXXX. I emailed him by responding to a follow up email he sent me, and asked him for a print out of what he just told me, and he said " It was against the privacy act of the consumer to do that ''. XXXX XXXX is reporting false information to the Credit Bureau 's. Every time you talk to someone they give you a different person to talk to. How on earth is a company allowed to go on to a individual credit reports 8 months after it was paid off and mark it negative?

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