Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I happen to find this on my credit report by accident. I received an email from a mortgage refinance company that said I needed to get a letter from XXXX XXXX  stating I was not currently in a foreclosure. I was very confused since I had NEVER been in a foreclosure status with XXXX XXXX. I had to respond to this email on XX/XX/XXXX. 

Now, I am refinancing my home again to obtain a lower interest rate. This process started on XX/XX/XXXX. In the process, I investigated my credit report through XXXX. When I opened the link to my closed account with XXXX XXXX, I saw what this woman from almost three years ago was talking about. XXXX had reported late payment for me from XXXX to XXXX with " FS '' meaning " foreclosure started '' during the good part of a year. Then all of a sudden all of the payments after ( and before ) this period were all marked on time. 

I have made EVERY SINGLE PAYMENT on time in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, my payments were due on the XX/XX/XXXX of the month and sometimes would not post until the XX/XX/XXXX or XX/XX/XXXX of the month. My statements would reflect a " late payment charge '' and then a credit for the " late payment charge ''. I am assuming this is because my ON TIME payment was not reflected in their system in real time and it generated a late payment charge which had to be " erased ''. However, this should NEVER have prompted a reporting of 30 days late and certainly not 60, 90, 120 or 150 days late! 

Of course, I disputed this charge, especially considering XXXX had reported a FORECLOSURE which was adamantly FALSE. Everything was corrected except that my payments continue to reflect a late payment of 30, 60, 90, 120, and 150 DAYS LATE!! for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is absolutely FALSE as every payment made during this time period was on time. As I previously stated, I NEVER MADE LATE PAYMENTS ON MY MORTGAGE. 

Also, I requested THREE separate times that XXXX XXXX  send me my account information for XXXX, XXXX and XXXX to verify my payment status for that time period. All payments were made on their website and I no longer have access to any of that information. They told me that the information was archived and it would take at least 30 days to get that information to me. I received a letter yesterday with the payments during XXXX but no other time period. All payments were made on time as I said ( although initially this was marked as a foreclosure period before it was corrected ). The last phone call I had with XXXX 's " customer service '' was a woman who told me I had to file a " formal '' dispute. I told her I had filed a dispute for both Transunion and XXXX  through XXXX XXXX 's website. She told me that was not a " formal '' complaint although it did get them to remove the other negative information including the " foreclosure '' from my initial dispute. 

I can not give the credit bureaus any evidence of my paying them on time without the information that XXXX holds in their " archives '' regarding my account. I do not even have access to that time period for my bank statements because it was over three years  ago. 

I am deeply disturbed that I can not get more information from XXXX and that XXXX will not correct this information. It is costing me a higher interest rate due to my credit score being dinged for " severely delinquent accounts ''. I have worked very hard to maintain an excellent credit rating and I am appalled at the lack of action or empathy regarding how this detrimentally affects people lives and livelihood.

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