Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It is reported that I was XXXX days late on a XXXX. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXX XXXX Bank. I signed into my account with XXXX XXXX Bank and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXX XXXX Bank and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXX XXXX Bank again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXX XXXX Bank electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX XXXX time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXX XXXX Bank again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXX XXXX Bank and XXXX willing to take this as far as necessary to have this removed because this is a very serious matter to me.

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