Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have recently received a notification through credit monitoring that on or about XX/XX/XXXX, XXXX XXXX  XXXX  ( XXXX ) listed my mortgage account as a delinquent account. This is an absolute error reported by XXXX, which caused my credit score to decline approximately 36 points. Please review the following facts and provided documentation as proof of XXXX error, and please take the necessary action to correct this issue and restore my credit score. 

Details of XXXX Error : FIRST INCIDENT : In XX/XX/XXXX, I moved in to my newly constructed residence and XXXX was both my construction loan and mortgage loan service provider. In XX/XX/XXXX, with the drop in interest rates, I began the refinancing process with XXXX XXXX by XXXX  XXXX  ( XXXX  XXXX  ). 

On XX/XX/XXXX, XXXX provided a payoff amount with a projected payoff date of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX  provided a notice my refinancing closing date was set for XX/XX/XXXX. 

On XX/XX/XXXX, the closing occurred as scheduled and my XXXX XXXX  was refinanced with XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX executed a wire transfer to XXXX and paid the XXXX mortgage in full, completing the refinancing process. 

Also on XX/XX/XXXX, XXXX released an escrow refund of {$280.00}, which I deposited in to my personal bank account on XX/XX/XXXX. 

On XX/XX/XXXX, upon receiving a credit notification of the negative remarks XXXX made to my credit report, I researched my online XXXX XXXX  XXXX  transactions and identified XXXX listed my XXXX XXXX as Inactive and paid off on XX/XX/XXXX, the date of the wire transfer from XXXX  XXXX  ( Note : The final due date ( grace period ) was XX/XX/XXXX, and the XXXX loan was paid off two days before that date. ) On XX/XX/XXXX, I contacted XXXX who advised they no longer serviced my mortgage and XXXX XXXX XXXX was the new service provider. ( Note : I believe XXXX mortgage sold my loan to XXXX XXXX XXXX after the loan was paid off. ) XXXX was unable to locate any account information for me or provide information why negative comments were made to my credit report. 

On XX/XX/XXXX, based on the information provided by XXXX, I contacted XXXX  XXXX  XXXX, but the customer service specialist was unable to locate any account information based on the information provided in the email from XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX  to obtain further documentation of the XX/XX/XXXX, payoff to XXXX. On XX/XX/XXXX, XXXX Loans provided further documentation the XXXX mortgage was paid off on XX/XX/XXXX, during the refinancing process. 

I disputed the XX/XX/XXXX credit error with Transunion and months later, my credit was restored. They identified XXXX was in error. 

SECOND INCIDENT : On XX/XX/XXXX, XXXX reported the same error to Transunion and cause my credit score to drop from XXXX to XXXX, a XXXX point drop. XXXX reported my paid off loan as delinquent again and listed the delinquent amount as {$0.00}. 

XXXX obviously continues to make errors in reporting negative comments to my credit report in XX/XX/XXXX, XX/XX/XXXX, and it appears they will continue to commit the same error in the future. This is a horrible situation to be in because XXXX customer service provides absolutely no assistance with the matter. 

On a side note, given my employment status, I routinely undergo background checks and a negative credit history can be harmful. 

I can not get any assistance from the bank to correct this issue and have just filed my second dispute with Transunion. The first dispute was valid and my credit score was corrected in XX/XX/XXXX. The current credit reporting error has my credit score reduced by 77 points. 

XXXX has offered no assistance.

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