Consumer complaint received 2020-11-13 00:00:00
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.
State: IL

Complaint narrative:
CFPB, This is a follow up complaint to my complaint # XXXX that I already filed with you and you closed. Please refer back to it and add this additional information to that case then review it and share it with the Federal Reserve as you suggested I do. I am not the CFPB, nor am I the Credit Reporting Agencies, Transunion, XXXX or XXXX, nor am I XXXX XXXX XXXX XXXX and it is NOT MY RESPONSIBILITY to do any of your jobs, YOU get paid for doing! I have a job and I do my job well, unlike most in this country now!! 

When I ask for an incorrect item on my credit file to be corrected it is the credit reporting agencies aka Transunion 's job to verify that account with the creditor aka XXXX XXXX XXXX XXXX, verification means to have physical proof shown to them and myself and your office too since I filed a complaint against both of them with you and you can also share all with the Federal Reserve and any other regulator you wish. Proof means full documentation of the entire loan documents they are reporting on my report from beginning to end, all loan payments, all interest payments, all fees, all paid on that loan from day one to the end of the note when I paid it off!! It is NOT my job to provide this it is the BANKS JOB, they are the ones who are reporting the information and so THEY must have proof of what they are reporting. 

I have made it clear to you they are not showing I made interest only payments of {$180.00} mo including late fees for every single month they show me late on this loan, which makes it look like I just did not pay my payments or anything at all during that entire time, which has ruined my credit and is defamation to my character as it is untrue and inaccurate and I am a government employee, so it is affecting my business reputation as well as my financial life!! 

This is deliberate on the banks part, they are angry because they gouged me, a widow and her orphan son, for thousands of dollars in interest over the last twenty years on numerous loans, especially this one, and made lots of money off of us and I turned off the money making spout by telling them to go blow and that I will NEVER do business with them again and will tell everyone I know about all that went on, so they will not fall for the same and I know LOTS of people!! They are trying to get revenge on me, they are nasty, mean spirited, hateful people. 

Transunion did nothing but contact them and did not investigate anything, they just said it is accurate and left it on my report, all documents are attached. I also attached the changes that were made which were minimal. But the same problem is still on my report, this loan which is being reported inaccurately!! I also included just one of numerous denial letters I have received due to their inaccurate reporting, which has kept me from getting much needed loans and even a house, which they will all answer to XXXX for one day, while also making me look bad to others. I have perfect credit other than this one loan, always have, but they have gone out of their way to intentionally try to prevent me from getting money when I needed it. The creditors have contacted all three bureaus, Transunion, XXXX and XXXX and it is this loan from XXXX XXXX XXXX XXXX  they keep referencing when they say I have serious delinquencies as you will see on this letter. 

The other reasons they give for denying me are also not accurate. I only have my fed loans, which are a fixed amount not a revolving line of credit and always paid perfectly, my car note again another fixed loan being paid down monthly with no increases and almost paid off with XXXX, a XXXX charge with a {$300.00} bal always paid off monthly and a XXXX XXXX loan to build credit, also a fixed loan always paid perfectly, I also just refinanced a small loan with XXXX XXXX which will also help me build my credit too. All paid perfectly, all fixed loans, not revolving lines of credit, so I have no control over how hight the balance is on the account, it is an installment loan so is paid monthly and goes down as I pay my payments. These are ridiculous reasons to deny someone like myself with a very stable, well paying job with excellent pay history. Again this is more blackballing they are collectively doing to avoid loaning me any money. I have a XXXX credit score which is poor, yet pay perfectly and only use credit when I have to. Does this make any sense to you? 

They have systematically kept my credit score down since 2016 which is going on five years now, by just wording all the way they did in the report, showing a balloon loan payment, not showing my interest and late fee payments I made monthly the entire time of {$180.00} mo. They are a piece of work, again, XXXX sees all and one day they will all pay for all they did to my son and I. 

I want this account removed and I also want you to fine both companies, make all three bureaus fix my reports and send me corrected copies, all three bureaus not just one. I also want you to share all with the Federal Reserve so they can also hold the them accountable!!! I also want a copy of my credit reports from each bureau sent to each company I have applied with in the last year. I could go back five years but I am not hateful like they are so I will not. I am also going to share all with my attorney.

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