Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Currently TransUnion is reporting a XXXX XXXX account with a 30 Day Past Due in XXXX of XXXX. My efforts to provide proof that this was not possible have been delayed my errant and misleading responses from the creditor. 

My credit was flawless until such time as this Lender misreported the information and that TransUnion has been unable to get a direct response to my proof. 

XXXX XXXX has had an issue with there records and systems dating back to XXXX of XXXX. It was around this time that they stopped reporting to the credit agencies. 

I discovered issues in XXXX of XXXX when I contacted them to change my payment account to my new checking account. They or there systems cancelled the old account on the second request and failed to use the new account to take the payment that I authorized in XX/XX/XXXX. When I logged in in XXXX of XXXX, I learned that they were missing a payment that I had made a month prior. After providing proof that they had received the payment a month prior they apologized and told me the were having problems with their systems and it was a " bug '' that they still had to work out. It was during this investigation that I learned about the issue in XXXX in which they did not initiate the payment. 

The documentation that I am providing will show what i am saying is true and much of which is admitted in their own words. 
-It will show that I was proactive in contacting them to keep my payment account up to date. 
-It will show that we found more than one error in crediting payments to my account since XXXX of XXXX. 
-It will show that XXXX XXXX did not report to the credit agencies in XXXX, XXXX, XXXX and XXXX of XXXX. 
-It will show that XXXX XXXX reported my XX/XX/XXXX payment status as on-time. 
-It will show that XXXX XXXX did not report to the credit agencies again until XXXX of XXXX as a result of a dispute that I initiated to get them to report the pay-off that was done in XXXX of XXXX. 
-It will show that even with there payment initiation error on XXXX of XXXX the XX/XX/XXXX payment could not have been 30 days past due as there were 2 payments made to lending point in XXXX of XXXX so at best with the error XX/XX/XXXX should have showed late rather than XX/XX/XXXX. I figured this was because they realized it was their error. 
-There responses will show that they would have you believe that even given the multiple examples of proven and admitted errors on my account, the fact that they have had a posted warning on their website for over 7 months warning of account errors that their reporting is accurate. 
- They would rather you believe that someone with a flawless payment and credit history, who they admit was proactive in keeping in contact with them in XXXX of XXXX to update payment accounts would all the sudden choose XXXX XXXX out of my 22 open accounts to ignore and refuse to pay while continuing to keep the rest of my accounts up to date. 
Its all XXXX and everyone can see it. TransUnion should be able to make that determination vs continuing to punish me for the abuses of XXXX XXXX and their faulty systems and records.