Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Their investigation did not fix an error on your report

Complaint:
My husband and I have been disputing serious error reporting to all three bureaus with XXXX XXXX before the end of last year. No mortgage at all showing on XXXX, and serious delinquent status on both XXXX and TransUnion. Finally after a XXXX dispute the information was updated. My score went up 70 plus points in a matter of days. Then poof within weeks it was gone again. Payments that we had made on time vanished, my husband 's report was showing 60-90 days late. I kept disputing, with XXXX and TransUnion and in XXXX  still nothing had been reported to XXXX that we even had a Mortgage payment. Each investigation yielded nothing wrong on XXXX XXXX part. In XX/XX/XXXX I actually received a letter from XXXX XXXX stating the same fact, there is nothing wrong with the reporting. Meanwhile our rates on everything have skyrocketed because they were trashing our credit. I kept up the the disputing and finally I called XXXX XXXX again and went off about how much I have cried and how much they have been costing us. So they connected me with the executive division on escalating problems. It was finally discovered that there had been an accidental suppression on our credit report inXX/XX/XXXX. Oops, according to the written documentation they had contacted all 3 bureaus on XX/XX/XXXX to lift the suppression. But that did not happen, i watched our credit score and then I called all three bureaus and confirmed they had never received any such documentation from XXXX XXXX. The only update was that we were " current '' but as of this day, they are still not accurate and have not been fixed. I finally had received a letter from XXXX XXXX  stating that their investigation was complete and we still had to wait 90 days for everything to update. Meanwhile I just received a notice that our car insurance which once was {$110.00} a month with XXXX  platinum coverage inXX/XX/XXXX has now increased to {$150.00} a month after I called to lower the coverage because our rates kept going up. Homeowners insurance same thing, was XXXX a year and now is over {$1400.00} a year. So as of this date I still do n't show on my credit monitoring services that I have even made a payment for almost a year now. Even though XX/XX/XXXX payment was just made on XX/XX/XXXX. I have submitted all the letters from XXXX XXXX stating it was their fault and banking proof the payments had been made with copies of transaction codes whom the payment was going to and amounts. Still they will not fix it until they receive it from XXXX XXXX. XXXX is the worst, I had collections items that had been paid off in the middle of XXXX and they are still showing open and unpaid. Even submitting copies of paid checks does n't make a difference. XXXX  was actually caring and concerned enough about this gross of an error they actually placed a call to XXXX XXXX directly and we had a 3 way conversation. Only to hear more excuses from XXXX XXXX. This is not the only problem we have had with XXXX XXXX, I have voiced concerns about our escrow balance. Our property taxes and homeowners insurance total a little over {$3600.00} a year but at the end of last year end of year balance was well over 5,000 yet we were negative in escrow. We did receive a check last year for XXXX from them with an apology for being a victim of one of their " issues '' they have recently been having. Recently we also received a check for {$18.00} as part of the class action lawsuit. We are trying to sell our house and move, ca n't do it until their errors are fixed. Considering taking legal action against them and the credit Bureaus that wo n't correct the mistakes on our reporting even with documentation. The financial stress not to mention the emotional distress of spending countless hours trying to fix this and our credit.

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