Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My experience with XXXX XXXX  has been terrible. They falsely reported a 30 day late, as well as a 60 day late for the month of XXXX and XXXX of XXXX. I contacted them and requested they review and confirm and then accurately report and remove the delinquencies which were effecting my ability to qualify for financing and placing me in a potential position to lose my earnest money deposit with the builder constructing my home. I spoke with several supervisors over the course of months, in attempt to resolve, one time after another ... each was friendly confirmed the inaccurate reporting and promised a solution. The first time they advised me would take up to 30 days to remove the inaccurate reporting. The supervisor from XXXX confirmed that they would remove both delinquencies across all three bureaus. She sent the request to their " credit reporting dept '' They confirmed that it should not have been reported late, as I had a balance of XXXX and the only amount on the card was a fee added from them which goes against company policy to report. Great, I thought it would be removed. Time passed they only removed one account off the three bureaus which they later added back on. They sent me a letter to confirm that they had updated it and the delinquencies reported would be corrected. Since this was not done properly. I called again, they said they didn't know why this happened. They said they would put a rush on it, apologized, and stated that they would remove the false reporting from all three bureaus again sent me a letter. The lender was able to use the letter to remove the false reporting thru a third party that completely what is called a rapid rescore however, XXXX added another late for a different month from XXXX of 2022 ( this was also false ). Then when the credit was eventually hard pulled, the false reporting for XXXX and XXXX of 2022 had been put back on there! I called them again and they said the same thing sent me another letter and then they removed one of the two delinquencies off of one of the bureaus. Then within days they re-reported the false negative information but, removed the XX/XX/2022 late they had reported but this time they added another false late for XX/XX/2022! I did not call them again however, a month later they removed the XXXX late. At this point XXXX and XXXX are reported accurately but XXXX and XXXX the originally false reported month are back on there and are effecting my credit. This is causing extreme anxiety and placing a huge XXXX deposit with this builder at jeopardy. Meaning, that I am outside of my financial contingency with them ( XXXX ) if I can not get this corrected in time, they are entitled to keep my deposit and will. I have the credit reports from most pulls to prove what I am saying is factual as well as the letters that they sent me.

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