Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XX/XX/2018, I was in a car accident that was not any fault of my own, but it totaled my XXXX XXXX XXXX. I was financed with XXXX XXXX, I immediately called insurance got a claim started that night - insurance and gap got started paying it off and started communications with XXXX XXXX   to get the card fully paid off, in the mean time, I had to finalize my divorce and was changing jobs - but was able to go get a new lease for a lower payment on another XXXX. Insurance and gap and I were all communicating, along with XXXX to ensure it was all paid off. From what I understood gap was covering the rest of the finances amount, so it was all to be paid off. Well I got a call from XXXX about a balance, I called insurance and gap and they said they would communicate with them to get it paid and for me not to worry about it. 

Well then I get a 30 day report showing from them on my credit for {$450.00} - meanwhile Im a newly divorced single mother trying to sell my house and get a new home that is within the mile distance allowed from my ex husband. That tanked my credit and put me under qualifying. I called them to see what happened and they said gap had sent in the payment late but it didnt cover {$450.00}, and then they told me as of the day i called, XX/XX/XXXX i believe, that I was 60 days late. 

Now I know {$450.00} doesnt sound like a lot But when you are newly divorced, now make $ XXXX/hour  and not your salary you were used to AND youre having to move, and a mom paying expenses for kids - {$450.00} is a lot. 
I asked to do a payment plan, or have a rewrite - they denied me and started having condescending tones asking me what changed and why couldnt I pay all the sudden, and that gap had not covered it for the total loss car for this amount and it was left to me. They told me I could make small payments, but they would consistently report me late. 
I let them know I wasnt even aware this was a balance left, & gap & insurance told me stop communicating with them because they were handling it. 
I ended up having to pull favors from friends to rally the money to pay them and begged them not to report me 60 days late. 


******I asked since I wasnt aware could it be removed from my credit for the delinquency - they were making or breaking me being able to move where I am supposed to near my ex husband- they wouldnt budge, wouldnt even discuss the idea. But how can I be penalized for something I thought was handled and then still gathered the funds to handle it anyways? 
I do not understand - ****all I want is the delinquency removed from my credit - Ive paid them, I just want the delinquency removed. I need my credit to be clear of that to be able to get my obligations on track, I have an amazing credit history - my only issue is high credit card balances because Im a broke single mom.

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