Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Please see the updated Trans Union Credit Report of today, XXXX XXXX XXXX, provided for free by XXXX XXXX XXXX, included as attachment. It clearly shows this account I am going to complaint, as delinquent, derogatory, charged off, profit loss, with an unknown payment status, without payment history, and this reports is originated with with what it has, and what they didn't reported, at the XXXX XXXX  XXXX XXXX XXXX, also known as XXXX 
The Asociacion de XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, also known as XXXX, is reporting my loan with them with the payments under a payment agreement only, after against my will and against the evidence, I was fired from my job at the local XXXX XXXX XXXX. of XXXX. If translated, it is called XXXX. XXXX XXXX. It is only for government employees here in XXXX XXXX, if for whatever reason, the person does not work at the government anymore, can not be part of it. 

XXXX is only reporting to Trans Union, my payments under the certified payment agreement but also excluding the last payment I made on XXXX XXXX XXXX, which means their letter investigating this problem, dated XXXX XXXX XXXX  is not only including an incomplete list of payments under the payment agreement, but also, XXXX. is not reporting to Trans Union all my previous payments to this loan, which were debited directly from my salary. 

The XXXX. website requiring me to log in, XXXX XXXX XXXX XXXX XXXXXXXX, reports the loan balance as {$2300.00}, with the following information : Loan number XXXX, Requested amount {$7800.00}, Number of Payments : XXXX, Interest rate : 7 %, Payment {$47.00}, Current balance : {$2300.00}, Last payment : XXXX There is also a Payroll Discount List also shown at their website which are the direct debit payments, including the savings account direct discounts they made in order to cover my loan when I lost my job against my will in the Dept. of Education. I will include the screen shots of that list, no matter they are shown is Spanish, XXXX can translate the page automatically and can be seen in English too. 

Payments debited directly are also payments, no matter debited in 2 parts, are part of the monthly payments record, which is precisely, a perfect record in this case, and also, the certified payment agreement is also paid in advance, they register it as the XXXX XXXX XXXX, as XXXX, but was actually paid by myself last XXXX XXXX XXXX as the payment receipt included shows. 

No matter, their XXXX XXXX XXXX XXXX on their letter dated XXXX XXXX XXXX, decided not to include this last payment I made on XXXX XXXX XXXX  for an unknown reason. I handled the payment receipt personally to XXXX XXXX XXXX XXXX for that purpose and it was received. 

The Fair Credit Reporting Act requires financial institutions to report our accounts with precision, exactness, not in the way this loan is reported by the XXXX, not including all my previous payments while I was working at the Dept. of Education and the payment was debited directly from the salary. 

Direct debit payments are also payments, an according to the Fair Credit Reporting Act, all have to be reported. The certified payment agreement, because there are 2 payments agreements, made after I left my job at the Dept. of Education, the first one with a higher monthly I had to request to be reduced and was granted under the current second payment agreement which has a lower payment. 

Next payment is due on XX/XX/2022, so my payments are current and as agreed, and even ahead of schedule. 

But this same loan account with XXXX appears reported to the Trans Union Credit Bureau as under collection, which is false, as a loss, as delinquent, as derogatory. 

No matter XXXX  certifies in the included letter they are not the ones reporting my account as delinquent, derogatory, and profit loss, the fact is that is the way it is reported by Trans Union. 

Their letter signed by their Collection Department XXXX XXXX XXXX XXXX, which was handled to me personally yesterday, Friday XXXX XXXX XXXX, by their administrative officer and collection manager XXXX XXXX XXXX XXXX, does not even include all previous payments debited directly to pay this loan, when there was no need to go personally to pay it. 

The XXXX  is forced to comply with the Fair Credit Reporting Act when they report to Trans Union, and they have to do it with the required by Law precision and exactness. 

But that is not happening. The local agency where I can file a complain against XXXX. is called Office of the Commissioner of Financial Institutions, an agency of the XXXX of XXXX XXXX, or Government of XXXX XXXX, but it is clearly stated at their website XXXX XXXX XXXX XXXX that I can not file a complaint there for actions or remedies covered under federal law, like on this case of incorrect credit reporting. 
Their web site, translated by XXXX automatically, says the following and quote in both languages : " What remedies can not be obtained through a complaint procedure before the OCIF? 

You can not : Request compensation for damages. 
Initiate action on compliance or non-compliance with contractual clauses not regulated by the OCIF. 
Initiate actions or remedies covered under federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' This complaint I present here at the C.F.P.B. is precisely, covered under Federal Law, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 

I can not complaint there at the https : XXXX, and present my complaint claiming the Fair Credit Reporting Act or the Fair Debt Collection Practices Act like here at the C.F.P.B.

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 non-monetary relief