Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I XXXX  and was in XXXX. When i came out of XXXX  and was able to speak and comprehend i called all my credit card and loan companies. I spoke directly to a XXXX  loan specialist - who was so kind and understanding and knowlegeable i did confirm XXXX seperate times during conversation what i exactly needed and what had happened we spoke extensively of my condition and that he just wanted me to heal ... when i told him i needed either deferment or refinance of loan due to recovery of acoma he told me NO WORRIES he said he would defer/refinance ( used both words ) for 4 months. I told him i did not want my credit to be afffected and coudl not afford to have issues as my credit meant everything to me with owning a house i had to keep my credit clean ... he said NO IT WOULD NOT AFFECT MY CREDIT in any way because he was going to help me... He verbatim told me not to worry myself with this loan that he had absolutely fixed it and i would not need to concern myself with payments for 4 months, he told me to get better and not worry i confirmed that he had done this at least 3 times before i hung up because he was being so kind it was surreal i expected to be yelled at like the other places did. But no he made this fix totally easy. He told me not to worry to focus on myself so i did just that .... 

i am just getting home 3 months later... i come home and of coarse i immediately prepared to financially settle my affairs when i opened wisestack account it said my account was due for charge off in 30 days. 

i immediately called and demanded supervisor- i got XXXX or XXXX i forget the exact name.. she was also soooo kind. she said to me that she would listen to call and call me back, she surely did and told me that i was right the agent did promise me 4 months deferred payment ... so now i had proof that he had told me this had been done, she said she would coach employee, and because it was the company error she would honor it and defer my payments for 4 months. thus removing the delinquency on their system she called me again and she told me she would tell the team who had helped her to have any delinquencies removed as they were not my fault. 

Well this was not done, this company marked my credit for none payment when NO PAYMENT WAS DUE. they were NOT suppose to hit my credit because their empoyee had deferred my loan, now she fixed the loan and now they wont remove hte delinquency. 

I demand some kind of resolution of my credit immediately i want any and all delinquencies from XXXX immediately removed this is their fault they admitted to it why is my credit so low and why do i have 4 months of delinquency on my credit report it is illegal i demand they be held accountable right now, they are ruining my life, i cant get approved for anything and its a lie, they were well aware i died, and that i needed a deferral due to the situation and they approved it live on the phone twice, and yet still hit my credit i demand it being removed right now or i will go to the news stations and the attorney general office as i have proof that they admitted to it being their fault and they fixed it wisteack has so many bad reviews for same reason i already lost my life i do not need to lose my credit due to their employees ineptness to do his job i demand this all removed every single one now

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