Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The reason for this complaint is that TransUnion and XXXX do not have the correct information on my credit report regarding my mortgage with XXXX. After three written requests, they no longer even investigate the inaccuracies. I am asking the CFPB to review the written evidence provided. If I am correct, I am asking the CFPB to assist me in making sure my credit reports with TransUnion and XXXX are accurate. 
I purchased a home XX/XX/XXXX for {$130000.00}. My mortgage was serviced by XXXX XXXX XXXX until XX/XX/XXXX. Select Portfolio Servicing ( SPS ) was selected as my new servicer as a result of the National Mortgage Servicing Settlement XX/XX/XXXX. 
I was not able to make payments to XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and XXXX from XX/XX/XXXX until XX/XX/XXXX when a mortgage modification was approved. My inability to make payments was due to being unable to work due to injuries sustained in a car crash. The XXXX XXXX XXXX late payments have been removed from my reports since more than seven years have passed. 
I returned to work XX/XX/XXXX and have worked continuously since then. I was unable to come up with almost {$20000.00} to " catch up '' my mortgage with XXXX XXXX XXXX XX/XX/XXXX. I attempted to get a mortgage modification multiple times, but the paperwork was lost or denied by XXXX XXXX XXXX. 
Due to the National Mortgage Servicing Settlement, I received an offer to modify the mortgage on my home with a reduction in principal. I received the offer letter via fax on XX/XX/XXXX from XXXX. I contacted XXXX to get wire instructions to pay XXXX. Later that day, I called my bank to request that a wire be sent for the amount of the XXXX initial trial modification payments to XXXX. 
XXXX confirmed receipt of the funds less than three days later. The offer letter is included, the page of the bank statement that shows the payment for three months of the {$210.00} monthly payment ( total of {$650.00} ) and the relevant part of my credit reports that show the XXXX payment history are included. 
The mortgage modification agreement specified that I make payments of {$210.00} on or before XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All three months of payments were made on XXXX/XXXX/XXXX via a wire of {$650.00}. I accepted the offer by sending the funds and the contract was fully executed on XXXX/XXXX/XXXX. 
My understanding of trial modification is that payment are held in suspense accounts for the three months. During that time, no negative data should be reported to credit bureaus. Instead, XXXX reported that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were at least 120 days late with TransUnion and the next three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were not reported at all. With XXXX, XXXX reported XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were late 180 days and the next three months, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were not reported at all. 
On XX/XX/XXXX, I called in to verify receipt of the wire at XXXX, I was told that the modification would be done " quickly '', but that they were short staffed. I received the final modification papers XX/XX/XXXX. That was seven months after I made my payment. 
I am asking that the CFPB look at the modification offer, the copy of my XX/XX/XXXX bank statement and the XXXX & TransUnion relevant entries regarding my credit that I have enclosed. I believe that Federal law requires that information from creditors be reported accurately to credit bureaus. 
I have made all payment starting from XX/XX/XXXX until today on time based on the offer from XXXX. If I am correct in my reasoning, I believe that it would be fair to have my credit report show either on-time payments beginning XX/XX/XXXX until today or XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX showing no entry and XX/XX/XXXX until today should show on time payments on both of my credit bureaus.

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