Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Today, Monday, XX/XX/XXXX, I received just minutes ago, and now is XXXX XXXX XXXX, an electronic mail through XXXX XXXX XXXX, saying your credit score refreshed, from XXXX XXXX, a free credit reporting service, image included. 

PLEASE SEE AND REVIEW THE ORIGINAL DOCUMENT COPY FROM XXXX XXXX : INCLUDED : IT SAYS IN XXXX MARKED WITH AN X " XXXX XXXX '' IN XXXX, IS TRANSLATED AS " WITHOUT CONTACT '', THE DOCUMENT DATE AND ORIGINAL PRE PAID MONTH AND INSTALLATION, WHICH WAS A RE CONNECTION BECAUSE MY FATHER XXXX. WAS A CLIENT SINCE IT WAS CALLED XXXX XXXX XXXX AROUND THE YEAR XXXX WITH THE ORIGINAL NUMBER WHICH WAS LOST AND NOW THERE IS A NEW NUMBER. THE DOCUMENT SHOWS IN HAND WRITING MY NAME, ADDRESS, THE DATE XXXX XXXX XXXX, XXXX XXXX XXXX, SOCIAL SECURITY NUMBER, DRIVERS LICENSE NUMBER AND MORE. 

THE OTHER IS THE ORIGINAL PAYMENT RECEIPT PAID AT THEIR XXXX XXXX XXXXXXXX XXXX XXXX STORE, SHOWING PAYMENT RECEIVED WAS {$160.00}, WHERE I ACCEPTED THIS WAS A PRE PAID WITHOUT CONTRACT SERVICE. 

To my surprise, the local XXXX XXXX Telephone Company, owned by XXXX since years ago, reported as derogatory my telephone account with Internet with them BUT IS IMPOSSIBLE BECAUSE THIS ACCOUNT WAS OPENED AS PRE PAID SERVICE, WHERE I HAD TO PAY IN ADVANCE FOR THE USE OF THE HOME INTERNET AND PHONE WHICH WAS NOT USED, IT WAS JUST OPENED FOR THE INTERNET SERVICE ONLY. IT IS SIMPLY NOT REQUIRED TO KEEP PAYING THIS ACCOUNT, BECAUSE WAS OPENED AS PRE PAID : THE ONLY UNREASONABLE EXPLANATION IS THAT XXXX CHANGED THE TERMS WITHOUT INFORMING IT TO MYSELF, BY ANY MEANS, AND JUST MINUTES AGO I SPOKE WITH A XXXX REPRESENTATIVE OVER THEIR CUSTOMER SERVICE PHONE NUMBER, WHICH IS XXXX XXXX XXXX, at XXXXXXXX XXXX AND HE SAID I HAD TO CANCEL THE ACCOUNT, WHICH WAS NOT PART OF THE ORIGINAL AGREEMENT. A PRE PAID INTERNET AND PHONE SERVICE DOES NOT REQUIRE ANY CANCELLATION ON MY PART, BECAUSE WE HAVE TO PAY IN ADVANCE THE MONTH WE ARE GOING TO USE, THERE IS NO NEED TO PAY OR CANCEL ANYTHING, IF WE DO NOT PAY IT SIMPLY MEANS WE DO NOT WANT THE SERVICE ANYMORE AND THAT IS IT. 
THIS GENTLEMAN WHO TOOK MY PHONE CALL SIMPLY INFORMED THE TERMS WERE CHANGED BY SAYING I HAD TO CANCEL THE ACCOUNT : THERE WAS NO REQUIREMENT OF CANCELLATION, IT WAS PRE PAID. NOW, THEY REPORTED THE ACCOUNT AS DEROGATIVE AND UNDER COLLECTIONS FOR A {$170.00} DOLLARS I DO NOT OWE BECAUSE THE SERVICE SIMPLY STOPS AND DOES NOT CONTINUE NEXT MONTH IF WE DO NOT PAY, THEY CHANGED THE ACCOUNT TERMS, EVEN THE INVOICES INCLUDED DOES NOT SAY IN XXXX IS PRE PAID. NO NEED TO PAY EACH MONTH, ONLY NEEDED IF WE WANTED TO KEEP THE SERVICE, THE PAYMENT HISTORY DOES NOT EXIST IN THE CREDIT REPORT, THE AGE OF THE ACCOUNT IS XXXX? IT WAS PRE PAID FOR XXXX SAKE!!!!

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