Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My Trans Union credit report showing XXXX reporting my mortgage loan to be delinquent is wrongful, and while I have an open Superior Court complaint against XXXX, it lists me as being delinquent for XXXX months and ignoring that I have sent in many documents to Trans Union proving my loan to be an ARM ( adjustable rate mortgage ) as opposed to what TransUnion lists from XXXX to be a " conventional loan ''. The interest on this loan has an illegal low interest cap causing thousands of dollars of overcharged interest monies to continue for years to add to this loans balances, monthly payment amounts and etc ... This loan ( please see attached ) is not only based on ILLEGAL ESTIMATE PAYMENTS for the XXXX yrs term but also NOT owned by XXXX as shown on XXXX page from the Office of Inspector Generals report ( attached ) stating that my mortgage loan was run and determined to NOT be a GSE loan!! while I am presently being financially terrorized by XXXX Banks practices in effort to continue to blackmail me!! into continuing payments while also my open XXXX XXXX case is presently " under advisement '' for this bad loan keeping me in a financially crippled and emotionally strained, an enormous duress state knowing I am XXXX yrs old legally XXXX with many medical problems including previous XXXX ( possible cause another XXXX ), I also have XXXX, I suffered a near death with severe XXXX in XX/XX/XXXX leaving me with continuing respiratory problems which all are aggravated by this enormous stress, while XXXX Bank continues to try and use fraud to wrongfully foreclose on me with wrongful accounting including rejecting XXXX payments between XX/XX/XXXX and XX/XX/XXXX ( attached shows at least XXXX rejected, I am having trouble attaching the third rejected payment for this complaint. Trans Union XXXX feel/believe did not take my documents seriously/or ignored or is being influenced by XXXX to continue wrongful reporting. My XXXX is out of XXXX. ( I am recommended to not list my actual court case number on this site ). The attorney for XXXX Bank is XXXX of XXXX XXXX of XXXX XXXX. I have attached as many documents as I could on this site. XXXX Banks own records and monthly statements to me also show it to be an ARM loan! not a conventional loan as listed on my TransUnion file report. The low interest cap is causing many problems as also XXXX not writing off this abusive wrongful bad loan which could very well kill me from stress. I have attached as many documents as I can. I have already many times sent to XXXX the proof of use of an ILLEGAL SUSPENSE ACCOUNT during XXXX during a bad trial modification ( XXXX pocketing over {$3000.00} of my payments, I refused the bad permanent offer when I learned of my state of victimization with this bad loan ) attempt to try and sign me onto an ongoing wrongful indefinite loan trying to get another {$200000.00} on the loan which was originally for {$72000.00} in XXXX which I have already paid $ XXXX and am still wrongfully being made to pay another {$200000.00} on this loan. XXXX Bank DID the work for XXXX and their illegal practices are spelled out in the book by XXXX trial lawyers, titled : XXXX XXXX I am living this horror show that was used to take hundreds of thousands of homes with bad mortgage banking practices still ongoing. I feel that Trans Union need to re-look at my documents and contact me for a more detailed investigation into XXXX Banks accounting and etc ... instead of this destroying my credit while also spreading it to XXXX and or XXXX which is presently happening as I am informed by my credit monitoring serivce company XXXX!

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