Consumer complaint received 2020-07-01
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 submit my claim to Transunion about a predatory lender reporting an account as charge off and incorrect 28 late payments. Transuinon have ignored all the evidence i had submitted in 3 different occasions. 

Below a recap of the claim. 

I am writing to inform you about an error I noticed on my TransUnion credit report ( account number # XXXX ). 
This item XXXX XXXX XXXX # XXXX identified as an Unpaid Balance/Charge off is type is inaccurate. This account was paid accordingly to the terms of the loan. 
On XX/XX/XXXX as I tried to make my regular monthly payment, I was advice to my surprise and knowledge that the account that was from XXXX XXXX XXXX # XXXX was charge off as bad debt on XX/XX/XXXX of XXXX by XXXX XXXX XXXX. This account was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were made by XXXX XXXX XXXX ' payment platform until XX/XX/XXXX as instructed by XXXX XXXX XXXX ( Attached emails with payment confirmations ). 
When I called on XXXX, XXXX to make my monthly payment to XXXX that was provided to me when the account was transferred to XXXX XXXX XXXX that is not the same from XXXX XXXX XXXX, for payments, I am told that the account was sold to another company and that I should call the company # ( XXXX ). When I contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX they claimed none of my information was on their system and I had to wait for XXXX XXXX XXXX to transfer the file. For around three weeks I called XXXX XXXX XXXX multiple times ( Mr. XXXX ) attended me most of the time ) to pay and the other company named XXXX XXXX XXXX XXXX and no one could take my payment because at XXXX XXXX XXXX XXXX account was already closed and in the new company they had no record of my account, I request several times to talk with management and they reject my petition and never answered or called me back as requested on several occasions. 
On XX/XX/XXXX the file finally arrived at XXXX XXXX XXXX and I was forced to submit the full payment in the amount of {$770.00} ( attached bank statement and letter evidence ). Finally, on XX/XX/XXXX I get a letter ( dated XX/XX/XXXX, a month later after they claimed to transfer the account to the new lender ) stating that the account was acquired by another company named XXXX  XXXX XXXX, XXXX. The letter in itself contains several errors. The first is that it indicates that " Transactions reflected after the date of loss : XXXX/XXXX  '' ( attachment letter to record ). None of the payments made and debited from my checking account and with email confirmations apparently were applied. The remaining balance of payment of {$770.00} " at the time of loss '' is correct but reflecting the account as a charge off is incorrect and inaccurate. 
This account had a monthly payment of {$180.00} when it belonged to XXXX XXXX XXXX, at the time of the account transferred to XXXX XXXX XXXX I still made the same payment, but, around XX/XX/XXXX, payments were adjusted by XXXX XXXX XXXX to {$69.00}. ( Attached credit report where it reflects the new payment ). This without any notice from XXXX XXXX XXXX to me. I then started paying that new amount and some months even higher amounts to speed up the payment of the remaining balance. I respectfully request Transunion for a thorough investigation of the account and that the following be provided expeditiously by XXXX XXXX XXXX : Detailed account analysis with statements and payments applied. 
Recording of the calls when I summitted my payments. 
Apply all payments to the account made thru XXXX XXXX platform. 
Correct Transunion 's credit report and report the account paid off and " good standing, without " write off '' or lost as recently reported. 
As a financial institution XXXX XXXX XXXX is legally mandated to follow local and federal laws ( FCRA ) to correctly report on all credit agencies. In addition, they are required to follow the OCIF regulations for lending institutions and the Fair Debt Collection Practices Act. 
I am requesting that the item be removed and corrected as paid and the account be reported as satisfactory. 
Enclosed are copies of all my payments records, email to the Director of Risk ( XXXX XXXX, dated XX/XX/XXXX ) of XXXX XXXX XXXX submitting my claim to them, letters of paid off thru their unlawful debt collector ( XXXX XXXX XXXX XXXX XXXX XXXX ), bank statements reflecting all my payments that match the payment receipts and letter from XXXX XXXX incorrectly charging off the account supporting my position. Please reinvestigate this matter and delete the charge off and correct the status of the account to paid as agree and satisfactory as soon as possible.

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