Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a car loan with ( XXXX XXXX, XXXX ) company under state farm which was originally issued on XX/XX/XXXX with interest rate of 6.19 %. I was paying with a monthly loan arrangement with no prepayment penalty agreement. Since the interest was high I went to online portal and I paid the whole balance that I see on the portal ( I will attach receipt below of {$10000.00} including interest ). The monthly payment was due on XXXX of XXXX & I paid this mentioned total balance including the whole principal and interest on XXXX XX/XX/XXXX & I thought I am done with it as usual and waiting for the loan to close. In XX/XX/XXXX the XXXX agent called me stating that I missed payment for XX/XX/XXXX, I told her I paid the whole balance. She checked & said their system didn't notify them she was not sure why? and she said she will fix the issue right away and she told me she saw the payment and she will report the issue to her supervisor too. I said okay hoping it will resolve and we hang up. Again another agent called me few days later in XXXX of XXXX stating that you missed payment, the loan didn't close because there was XXXX dollars of interest left to close but for me I didn't see anything on the system to pay, I paid 100 % what I saw infront of me. I said okay I will pay and make sure that loan close appropriately, she said okay and I paid on the same phone call with her. 

Few months later they reported to all three credit bureaus as a missed payments for months of XX/XX/XXXX and XX/XX/XXXX even though the loan completely closed. I called the company multiple times to dispute and discussed with the company. They keep saying that it happened they are sorry but it wasn't their mistake. 

They damaged my credit history report since because they were upset that they lost interest and they took revenge by damaging my credit report by reporting on me falsely for multiple missed payments because they have a power to report. Even though I paid correctly and followed the rules of agreement. 

For me their negative reports affected me so badly that I couldn't do any loans with banks for my business because of this company abusing my right false only because they can do so. Banks considered me a risky borrower, tried multiple times I have attached receipt on detail payment separately as follows. 

I believe there is a real Justice in America, I don't believe companies like this damaging innocent client credit history is correct since justice is equal for every body, they need to be stopped abusing human right and history by using their power to do so. 

I am looking for that justice to happen for me in here and I wanted this company to remove falsely reported negative credit history on me on all three credit bureaus right away and they need learn not to abuse human right by using their power.

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