Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #14501687
Complaint Overview
Complaint ID: 14501687
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem canceling credit monitoring or identify theft protection service
State: Georgia
ZIP Code: XXXXX
Date Received: 2025-07-05T12:00:00-05:00
Date Sent to Company: 2025-07-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> XXXX XXXX XXXX cite_start XXXX ( Text - Limited support XXXX XXXX XXXX XXXX ID XXXX Subject : Dispute of Late Payment Reporting - Account : XXXX To Whom It May Concern : I am writing to formally dispute a recent late payment report on my XXXX Installment Plan, as I believe it to be erroneous and potentially retaliatory following my request to cancel and pay off my account. On XX/XX/year>, I initiated a request to cancel my XXXX XXXX XXXX and pay off my remaining balance. XXXX XXXX, specifically XXXX, confirmed via email on the same date that if I authorized them to run my card for the remaining balance of {$200.00}, my " outstanding balance [ would be brought ] to XXXX and [ the account would ] close as paid in full ''. Furthermore, the email stated, " Please note that after this final pay-off month, we will no longer report your monthly payment performance to the credit bureaus ''. I subsequently confirmed my understanding and selected to " Close my account as paid in full ''. Despite this agreement to pay off my account in full and close it, I received an email on XX/XX/year>, titled " Your payment is past due! ". This email stated, " Your account is {$20.00} past due '' due to a declined auto-payment. It also warned that not catching up could lead to a " negative impact on your credit ''. I dispute any late payment reporting for the following reasons : Prior Agreement to Close Account as Paid in Full : My intention to pay off the account and close it was clearly communicated and acknowledged by XXXX Support on XX/XX/year>. The subsequent " past due '' notification on XX/XX/year>, seems to contradict the understanding that the account was in the process of being settled and closed in full. Timing of Reported Late Payment : The past-due notification was received after I had already initiated and confirmed my request to fully pay off and close my account. It appears XXXX is reporting a " late payment '' during a period when the account was in the process of being definitively closed as paid in full. Potential Retaliation : It is concerning that a " past due '' notification leading to a potential negative credit impact was issued so soon after my decision to cancel and pay off the account. This raises questions about whether this reporting is a retaliatory measure for my cancellation. I understand that paying off the account in full would not change previous payment history or remove prior late reports. However, I dispute any new negative reporting that occurred or will occur after my agreement to pay off the account and close it as paid in full on XX/XX/year>. I request that XXXX : Immediately investigate this matter. Cease and reverse any negative credit reporting associated with a " late payment '' that occurred on or after XX/XX/year>. Confirm in writing that my account has been closed as " paid in full '' and that no further negative reporting related to this dispute will occur. Please provide a written response within XXXX days detailing the steps taken to resolve this dispute. You may contact me at XXXX or XXXX. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14501687 about?
Complaint #14501687 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2025-07-05T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.