Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Lets get this part out of the way right now. This is a repeat of a repeat of a repeat complaint. TransUnion has never answered my question directly. Yes they respond but they never address my question. 

Lets get this part out of the way. I have contacted XXXX XXXX many times. They have directly answered my questions and they copied me on the reports they filed. So TransUnion stop telling I need to do what I have already done many times. 

The problem in a nut shell. TransUnion reported me as delinquent on mortgage payments with XXXX. Only TransUnion did. TransUnion knows they get the same exact report as XXXX and XXXX 

XXXX has long stated they never did. Remember, I have been in contact with XXXX XXXX and they have given me copies of the report. 

What is new with this complaint? This time I spent many hours on the phone with TransUnion. He could find ONLY two reports from XXXX XXXX. One in XXXX telling TransUnion I was never delinquent. That was done at my request because TransUnion refused to fix their mistake. Why do I say their mistake? Here is where it gets good. The person I spoke to could find one other submittal. Dated XX/XX/XXXX as I recall. What an unbelievable miracle. That is exactly what XXXX XXXX  said they did! Do you believe it. And he read it! And it read exactly like the copy they gave me! Do you believe it squared??? And now get this, NOWHERE did ever say I was delinquent!! Do you believe it cubed??? Holy cow, that is exactly what XXXX XXXX has stated all along!! 

TransUnion, do you STILL want me to take this to XXXX XXXX? If so why when they are the one who told the truth and you are the ones who lied!! 

Now lets take this a step further. The first person I spoke to at TransUnion stated TransUnion only keeps records since the last credit report. Lied again! Stated they could not get the document from XXXX XXXX from early XXXX. Lied again!! 

The next supervisor nicely reprimanded me when I asked for the report from XXXX XXXX, telling me they dont get reports. After that he forced me to call a digital supplied information, transmittal, document, other source of information. I exaggerate not. 

When I spoke to the next supervisor, I told him the previous supervisor told me I could not call a report. I asked him what I should call it? I stated lets just call it a terd for lack of a better name. I exaggerate not!! You know this is true because you cant make up things this stupid. 

I will ask the question again. Does TransUnion still want me to take it up with XXXX XXXX  even though what they told me FIRST now agrees with what TransUnion told me on the phone the other day, that never reported me delinquent? 

Now, a repeat of a repeat of a repeat of a repeat of a repeat of a repeat question, why did TransUnion show me delinquent when even TransUnion admitted to me they were never told I was late? 

And a TransUnion, in the name of XXXX in heaven above, stop telling me to take it up with XXXX XXXX when I have already taken it up with them several times and they have cooperated and you have not. 

Before you tell me to take it to XXXX XXXX, look at your own records first. If you come back and say again XXXX XXXX Must have reported, even though we all now know they didnt, prove me wrong produce the document!! You wont because you cant. 

Again, why did you report me late?

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