Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13067121

Complaint Overview

Complaint ID: 13067121

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: Florida

ZIP Code: 33016

Date Received: 2025-04-18T12:00:00-05:00

Date Sent to Company: 2025-04-18T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To Whom It May Concern, I am writing to formally dispute the late payment reported on my XXXX account and to request its immediate removal from my credit report due to procedural failures and miscommunication on the part of your institution. I opened this account in XXXX and, within the same month, processed a balance transfer. Shortly thereafter, my account was abruptly blocked and closed under suspicion of fraud. Despite confirming the validity of the activity, I was denied access to my online portal. As my account was set up for electronic statements only, I had no visibility into my billing status and was forced to rely on customer service calls for updates. On XX/XX/XXXX, I was contacted and informed that my account was past due. I immediately remitted a payment of {$180.00}, covering both the past due and new statement balances. During that same call, I requested enrollment in automatic payments and provided my bank account information to ensure no further disruptions. Tragically, at the end of XXXX, my father passed away, and I was left to manage his estate. Believing my account was on autopay per my previous conversation with your agent, I had no reason to expect any further issues. In XXXX, I applied for a mortgage to refinance my late fathers home as outlined in his will. On XX/XX/XXXX, I was informed by the lender that my credit score had sharply declined, rendering me ineligible and putting the property at risk. Upon investigation, I learned this was due to a delinquent payment reported by XXXX. I immediately made a payment of {$270.00} and was directed to contact your credit department for resolution. This situation was entirely preventable. Your institution : Closed my account without cause despite confirmation of legitimate activity, Denied me online access and failed to provide mailed statements, Accepted my autopay request and banking details but evidently did not activate the service. I am requesting that this late payment be removed from my credit report as I acted in good faith, made timely payments when informed, and reasonably believed that autopay had been established as instructed. The consequences of this mismanagement have jeopardized a significant financial matter, and I urge you to rectify this reporting error promptly. Please confirm receipt of this letter and advise on next steps. I am prepared to escalate this matter through the appropriate regulatory channels if necessary.

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