Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and noticed XXXX lines of " Serious Delinquency '' ( all by same company ) for past due balance on a student loan. These loans resided with XXXX. I pull my credit report frequently and am proud of my XXXX credit score. XXXXXXXX XXXX reporting dropped my credit score to XXXX! I am in the process of securing a new mortgage and this drop in my credit score will obviously significantly impact my ability to secure a mortgage. 
I immediately called XXXX and learned they recently brought forth several years worth of delinquencies due to XXXX. I made a cash payment over the phone with XXXX on XX/XX/XXXX for {$1300.00} to bring my account current. I was informed by XXXX that XXXX would report to the credit reporting agencies at the end of the month and that my account ( XXXX ) would show as current, thereby removing any derogatory credit remarks of " Serious Delinquency ''. 
On XX/XX/XXXX, I accessed by XXXX account to set up autopayment for monthly payments. I noticed that my account reflected inaccurately, showing I had made the {$1300.00} payment on XX/XX/XXXX. This was inaccurate as I made the payment over the phone on XX/XX/XXXX and was concerned this inaccuracy on XXXX 's part would impact the correct reporting to the credit reporting agencies. 
I called XXXX on XXXX and spoke with XXXX. He assured me they had received my payment of {$1300.00} on XX/XX/XXXX but that he would need to now send a " request for correction '' to some other department within XXXX due to their error. XXXX further explained that this request for correction would be retroactive to XX/XX/XXXX, thus removing any derogatory reporting to my file. 
I checked my credit file daily and on XX/XX/XXXX when I did not see any corrections, I called XXXX again and spoke with XXXX. He indicated the request had been sent to " their processing dept '' and that as soon as it was processed I would see the correction to my credit file. As I had been told this by XXXX other representatives at XXXX, I escalated to a XXXX. I spoke with XXXX and Acct XXXX who assurred me that XXXX had made an error and was reporting negatively in error. ( This conversation and others are certainly recorded by XXXX for verification ). I asked her to send me a letter I could send to my mortgage company but she was " unable to do so '', citing they only have form letters they can send. All I was able to receive from them was a confirmation of payment - which I didn't need - I know I made the payment on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received written correspondence from XXXX dated XX/XX/XXXX, indicating that " after careful review of your account, we have determined that our credit reporting on the student loan ( XXXX ) referencing in your inquiry requires no adjustment because : All credit reporting is valid and accurate. 
Frustrated over this entire situation, I called XXXX again today ( XX/XX/XXXX ) and spoke with XXXX. I explained all details, every call, every transaction. He placed me on hold to speak with a XXXX. When he returned to the phone, he stated he and his supervisor were in agreement with previously confirmed errors and inaccuracies and that they were immediately escalating a XXXX request for correction. XXXX told me his supervisor, XXXX, would email me in XXXX week to confirm all corrections have been made. 
I am out of time. I can not wait another week for this correction to be made. I have a pending mortgage that I must have executed and these inaccurate derogatory reportings are preventing me from securing a loan and a home. 
Please assist in resolving this important matter.

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 non-monetary relief