Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6757640
Complaint Overview
Complaint ID: 6757640
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: District of Columbia
ZIP Code: 20020
Date Received: 2023-03-27T12:00:00-05:00
Date Sent to Company: 2023-03-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello! I have never missed any payment for anything in my entire life. Due to an error of XXXX XXXX XXXX XXXX, my XXXXredit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from XXXX XXXX XXXX XXXX that has significantly impacted my otherwise perfect credit. I opened a XXXX XXXX XXXX XXXX Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. XXXX XXXX said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from XXXX XXXX XXXX XXXX over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted XXXX XXXX and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for XXXX XXXX XXXX XXXXXXXX XXXX poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Frequently Asked Questions
What is Complaint #6757640 about?
Complaint #6757640 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-03-27T12:00:00-05:00.
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, credit repair services, 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.