Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Skip to main content Reports & Scores Finances Protection Credit Cards Loans Auto XXXX TL XXXX  XXXX  TransUnion Compare All Close COVID-19 Update Get help from your lenders. If you know you can't pay all your bills at this time, contact your lenders and ask about hardship options as soon as possibleideally before you miss a payment. As the COVID-19 pandemic continues, many lenders are putting policies in place to help customers who may need extra time to pay their bills. 

Lenders may be able to temporarily lower your interest rate or payment amount, or pause your payments for a period of time. Lenders may also be able to place your loans in deferment or forbearance. You don't have to make loan payments when a loan is in deferment or forbearance, and the lender will not report late payments to the credit bureaus.

Lastly, your lender may report the account to XXXX  with a statement that indicates you have been affected by a natural or declared disaster, which can help protect your credit history and credit scores. 

Your XXXX  Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX XXXX XXXX Learn more XXXX  Data XX/XX/XXXX XXXX Poor XXXX Instantly raise your XXXX  Score XXXX XXXX  gives you credit for the utility and mobile phone bills you're already paying. 
credit-boost-image Get a quick view of what lenders see Accounts Summary Open accounts 4 Self-reported accounts 0 Accounts ever late 2 Closed accounts 10 Collections 0 Overall Credit Usage 0 % Credit used {$0.00} Credit limit {$1800.00} Debt Summary Credit card and credit line debt {$0.00} Self-reported account balance ( s ) {$0.00} Loan debt {$55000.00} Collections debt {$0.00} Total debt {$55000.00} 1/3 Why payment history matters Payment history makes up 35 % of your FICO Score. Late payments stay on your report for 7 years, but they typically affect your score less over time. 


Your XXXX  credit file is locked Keep your XXXX Credit File locked to prevent identity theft. 
You have 4 open accounts 2 credit card and credit line accountsTotal balance : {$0.00} XXXX XXXX {$0.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX/XXXX  {$0.00} Balance updated XX/XX/XXXX Exceptional payment history You have a thin credit file Having less than 5 open accounts can make you look somewhat risky to lenders. You have 4 open accounts, some lenders would consider you a " thin file '' 3 closed accounts 1 auto accountTotal balance : {$49000.00} XXXX XXXX  {$49000.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$39000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$39000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - NA - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$23000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$23000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - NA - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - NA - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$37000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$37000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - NA - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$30000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$30000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$19000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$19000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - XXXX XXXX XXXX XXXX XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Signer Terms 60 Months Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, AL XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - - Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - NA - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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