Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Second Complaint Against XXXX XXXX ( XXXX XXXX XXXX XXXX ) Dear whom this may concern, I am writing to file a second complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX ) with the Consumer Financial Protection Bureau for their repeated inaccuracies in reporting my payment history to the three major credit bureaus ( TransUnion, XXXX, and XXXX ), causing significant damage to my credit score and personal well-being. 

What happened? 

- On XX/XX/XXXX, I received a notice from XXXX XXXX stating that they had reported me as 30 days past due for my XX/XX/XXXX, minimum payment, despite having made the payment on time. This resulted in a XXXX drop in my credit score. I disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX throughout XX/XX/XXXX and into XXXX. 

- In XX/XX/XXXX, the XX/XX/XXXX late payment report was removed from my credit report. However, a new late payment report for XX/XX/XXXX was added, causing a further XXXX drop in my credit score. 

- On XX/XX/XXXX, shortly after submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), I was notified by XXXX of another potential error on my credit report. XXXX XXXX had removed the XX/XX/XXXX late payment report and reinstated the XX/XX/XXXX late payment report, which is the third instance of inaccurate reporting. 

- Throughout this period, I have been in constant communication with XXXX XXXX  representatives, level 2 and 3 managers, and even emailed XXXX XXXX Bank directly via their corporate investor email that, resulted in XXXX XXXX XXXX XXXX 's " Escalation Analyst '' XXXX XXXX being assigned in XX/XX/XXXX to fix this second inaccurate report and, who assured me that he would work with the team to fix the issue. Despite their assurances, including " Escalation Analyst '' XXXX XXXX personally and serval Level 2 and 3 supervisors, the situation has not been resolved, it in fact has worsened as of a fe moments ago again today XXXX, XXXX for the third time after just submitting a complain to the Consumer Financial Protection Bureau only minutes ago. 

Throughout this process, I have been in constant communication with XXXX XXXX and XXXX XXXX XXXX XXXX, including speaking with customer service representatives, level 2 and 3 managers, and even an " Escalation Analyst '' named XXXX XXXX. Despite assurances from these individuals that they could see the error and would work to resolve the issue, the problem has not only persisted but worsened. 

I am currently six months XXXX  and have been diagnosed with XXXX XXXX XXXX, which I believe has been exacerbated by the stress caused by these ongoing credit reporting inaccuracies. The emotional and physical toll this situation has taken on me is immense, and I am in desperate need of a resolution. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX ( XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. I am willing to provide any additional documentation or information necessary, including my credit reports, but I would prefer to share this information directly with the Consumer Financial Protection Bureau to protect my personal information. 

I appreciate your attention to this matter and look forward to your assistance in resolving this ongoing issue. 

P.S. Please do note that several of the responses from XXXX XXXX dispute emails sent after putting in complaints and disputes do not reflect my initial dispute. For example, please reference the first dispute that XXXX XXXX reduced to correct ; it references interest that I did not make my first complaint about it was about and has always been about the 30-day negative mark on my account. This inaccuracy of the investigation reports that despite my dispute, XXXX found my dispute unfounded and refused to remove the 30-day mark, that now has included XX/XX/XXXX, then XX/XX/XXXX, and now only moments ago, back to XX/XX/XXXX. 
__________ Note : Below is a brief recap/highlight of the previous complaint I sent to CFPB only moments ago today XX/XX/XXXX before just receiving this new update only moments after my submission of a third credit reporting error. Please do note this is a completely new complaint due to XXXX XXXX 's additional inaccurate report of XX/XX/XXXX, only moments after my complaint for the two inaccurate 30-day late reports. It is now a third one that is new. The below highlights are for reference from my complaint submitted a few minutes ago : I am writing to file a complaint regarding my XXXX XXXX  account, managed by XXXX XXXX XXXX XXXX. The issue involves inaccurate reporting of late payments and their negative impact on my credit score. 


Issue Overview : - Two 30-day late payment marks were inaccurately reported for XX/XX/XXXX and, most recently, XX/XX/XXXX. 
- A new, unexplained 30-day late payment mark for XX/XX/XXXX. 
- XXXX credit score loss due to these negative marks. 
- Inability of XXXX XXXX representatives and XXXX XXXX XXXX XXXX - Analysts to resolve the issue or provide adequate explanations. 

Background : I have been trying to resolve this issue since XX/XX/XXXX, making multiple calls, submitting disputes, and requesting complaint submissions. Despite repeated assurances from XXXX XXXX representatives that the late payment marks would be removed, the issue persists. 

Impact : I am currently XXXX months into a high-risk XXXX, and this situation has caused significant stress and negatively impacted our housing plans and overall credit report. 

Previous Attempts at Resolution : I have contacted XXXX XXXX representatives, level 2 and 3 supervisors, and XXXX XXXX XXXX XXXX Analysts multiple times between XX/XX/XXXX and XX/XX/XXXX, but the problem has not been resolved. It has worsened with an additional, unexplained late payment mark for XX/XX/XXXX. 

Request for Investigation : I kindly ask that your department investigate this complaint, review the detailed notes and call recordings from my interactions with XXXX and XXXX XXXX XXXX XXXX, and correct the inaccuracies on my XXXX XXXX account. 

Additional Information : Please note that the first email I received in response to my dispute did not address my complaint about the 30-day late payment mark for XX/XX/XXXX but instead discussed interest charges. 

I can provide detailed notes, email records from XXXX showing the late payment notices they sent despite my timely payments, and the email dispute correspondence that continues to deny my dispute. 

Thank you for your attention to this matter. I look forward to a prompt and just resolution.