Consumer complaint received 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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

Complaint:
On  XXXX   XXXX ,  XXXX  I submitted a request through the BBB that the company would stop calling my phone number, because I was receiving a countless amount of phone calls from the company from many different numbers. However, I did not state that I did n't want the company to still send me my legal documents in regards to the status of my account and account statements. By law, the company must provide this information. The only request I was the company stopped calling me from the multiple phone numbers they were calling and harassing me from to pay my bill. That is when I reported the company to the BBB initially. Today,  XXXX   XXXX ,  XXXX  I tried to reach out to the company from their verified  XXXX  Account about the status of my account. This is because the account is still opened and although there are late payments on my account, I am still able to access my account information and have proof of a minimum payment scheduled by   XXXX   XXXX   XXXX   for  XXXX   XXXX ,  XXXX  with a balance of {$550.00}. Although the balance is high, the account is still very much active. The account was reported as closed on  XXXX   XXXX ,  XXXX  even though the account was opened  XXXX   XXXX  and my last payment to the account was  XXXX   XXXX . In order to resolve this issue I wanted to reach out to the customer service team at    XXXX   XXXX   XXXX  . I am willing and ready to show my correspondence with the   XXXX   XXXX   XXXX   to the media at any given time. The customer service representative told   me on  XXXX / XXXX / XXXX  IN WRITING via their verified  XXXX  Account thi s Hi   XXXX . We asked for the phone number locate the account. Please note we 're unable to discuss account details or take action on an account via email or  XXXX , as they are not a secure methods of communication. If you prefer, you  may  contact our Customer Service  Team  at  XXXX , Monday through Frida y   XXXX   XXXX   to    XXXX   XXXX  ., and    XXXX   XXXX   to   XXXX   XXXX   on Saturday and Sunday ( Pacific Time ).      Shortly after I told the team that I wanted to know the status of the account so that I was able to make a payment in Full. I was able to access the information and speak to a representative by the name of  XXXX   XXXX .     The team then called me immediately at the phone number I provided via their  XXXX  account at  XXXX . The company called my phone number immediately. Also, it should be noted that this phone number has been updated in their system and even so I also gave the representative an alternative phone number of mine as  XXXX  which they know is mine.     Shortly after the company writes to me saying : Our records indicate that your account was placed in a permanent no-contact status on  XXXX   XXXX ,  XXXX . Please note, your current acct status is reflected on your  XXXX   XXXX  statement. Thank you for reaching out to us.     My concern is if the company had stated they can not provide this information to me then why were they able to provide it to a total stranger through a chat box, rather than calling the phone number i provided. Also, if the company was n't able to speak to me or contact me then why do I have a permanent phone record from my service provider at  XXXX   XXXX   XXXX  proving the company called me.     The company is not being honest, not valuing me as a customer, and is very quick to allow me to pay them in full online or over the phone but is giving me a completely different story on their verified  XXXX  Account which leaves me to not trust the integrity of this company. They have also falsely reported that my account is closed when the account has not been handed over to a collection agency, charged off and is very well still open. The account is late but as stated, I was able to speak to the representative by the given name of  XXXX   XXXX , who would have gladly accepted my payment and allowed me to continue using my card. I need this issue resolved immediately. How am I supposed to make any payments if the company is n't even emailing me nor has sent me any information to my email in regards to my account. I have rece ived ZERO correspondence fr om the company to my email account, and i 'm not even allowed to give the company the option of calling or emailing me online. This is illegal and I am considering it to be discrimination as well.

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 explanation