Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This complaint is regarding TransUnion 's investigation to correct and remove inaccurate information off my consumer credit report on my XXXX ACCOUNT ( mortgage account ). 
On XX/XX/2020, I submitted a credit dispute with TransUnion based on their erroneous credit reporting that my XXXX ACCOUNT was showing the following : 1 ) In " REMARKS '' Section - shows ACCOUNT IN FORBEARANCE, 2 ) In " TERMS '' Section - shows DEFERRED, 3 ) In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and have failed to report payments made for those months. 
I am disputing all of the above because our mortgage servicer, XXXX, failed to correct their error when they ERRONEOUSLY reported that our account was in forbearance back in XXXX. 
However, as of XX/XX/2020, XXXX finally corrected their error by removing the forbearance off our XXXX Account and then reported this to all the major consumer credit reporting agencies, only after we filed a complaint with CFPB ( Please see attached Letter from XXXX dated XX/XX/2020 ). 
Therefore, our XXXX  ACCOUNT WAS NEVER IN FORBEARANCE AND SHOULD NEVER HAVE BEEN REPORTED IN FORBEARANCE, BUT FOR XXXX NEGLIGANCE. IN ADDITION, ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 ( Please see attached XXXX  Billing Statements for XXXX, XXXX, XXXX, XXXX and XX/XX/2020 and XXXX Payment History Report ). 
On XX/XX/2020, TransUnion completed their credit dispute investigation into our XXXX Account and has failed to correct the error by not removing the inaccurate information off my credit report. Their results still shows that my XXXX Account is still in forbearance. 
I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR BY REMOVING THE INACCURATE INFORMATION OFF MY XXXX  ACCOUNT ON MY CREDIT REPORT AS FOLLOWS : 1 ) In " REMARKS '' section REMOVE ACCOUNT INFO DISPUTED BY CONSUMER and leave blank, 2 ) In " TERMS '' section REMOVE DEFERRED, and 3 ) In " PAYMENT HISTORY '' section REMOVE UNKNOWN '' FOR THE MONTHS OF XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 BY REPORTING ALL PAYMENTS MADE FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO XXXX, THEREFORE, TRANSUNION MUST REPORT THESE PAYMENTS ON OUR XXXX ACCOUNT SINCE WE WERE NEVER IN FORBEARANCE. 

Please See the Following Attached Supporting Documents : 1 )  TransUnion Credit Report AFTER Dispute Dated XXXX 2 ) Letter from XXXX Removed Forbearance - XXXX 3 ) Demand Letter to XXXX to Remove Forbearance XXXX 4 ) XXXX Acknowledgment Email Resolved - Removed Forbearance XXXX 5 ) XXXX Acknowledgment Email - Cancel Forbearance - XXXX 6 ) XXXX Account - Not In Forbearance - XXXX 7 ) XXXX   Account - Payment History Report - XXXX 8 ) XXXX Account Billing eStatement for XX/XX/2020 9 ) XXXX  Account Billing eStatement for XX/XX/XXXX 10 ) XXXX Account Billing eStatement for XX/XX/XXXX11 ) XXXX Account Billing eStatement for XX/XX/2020 WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE AND OBTAIN A HOME LOAN WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX   ACCOUNT IS ERRONEOUSLY REPORTED IN FORBEARANCE. IN ADDITION, THEY FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH FURTHER NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERRORS AS THIS IS PREVENTING US FROM WORKING WITH OTHER LENDERS.

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