Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
To whom it may concern, XX/XX/2020 My name is XXXX XXXX. In XX/XX/2020 I opened an account with XXXX XXXX XXXX for a spending limit of {$300.00} and monthly payments of {$30.00}. In XXXX of 2020 I attempted to make a payment using my personal XXXX card. The payment was initially rejected and my account was temporarily suspended. 
I contacted customer service to inquire about this issue and was informed that I needed to submit documentation to prove that the XXXX account belonged to me. I submitted all required documentation as requested along with picture identification. I attempted to use my XXXX XXXX card a short time later and my Card was still suspended. I contacted customer service again to inform them that I still was not able to use my credit card and to inform them that I submitted all documentation as requested. I was informed that my documents were received but I was not provided with an explanation as to why my card was not unlocked. I spoke with several costumer service representatives and neither of them were able to provide me with an accurate answer or solution to my problem. 
In XX/XX/2020 I received a notification from my XXXX XXXX account that my credit card account with XXXX XXXX XXXX  had been closed and was charged off as bad credit. I contacted XXXX XXXX again in an attempt to get answers and to correct this issue but again with no avail. As evident by my credit report, all of my payments were made on time and my status with XXXX XXXX XXXX  was in good standing at the time my account was closed. However, even after the suspension of my card and the closure of my account by XXXX XXXX XXXX, I continued to receive billing statements and I continued to make payments directly to XXXX  XXXX XXXX. All of these payments were accepted and posted to my account. I have spoken with several individuals on numerous occasions at XXXX XXXX XXXX  and no one has been knowledgeable enough to help me resolve this issue due to an error on their behalf. I informed XXXX XXXX that their error and refusal to correct it has had a negative impact on my credit score. The final response I received from A XXXX  XXXX specialist was, I am sorry its nothing we can do. 
In addition, I never received a formal written notice from XXXX XXXX XXXX  to inform me of the suspension/closure or charge off of my credit account. 
With my account being charged off as bad credit, although it is evident by my credit report that I was in good standing, this has had a negative impact on my credit score. My last payment was made directly to XXXX XXXX XXXX on XX/XX/2020. Again this payment was accepted and posted. 
I am requesting your full investigation into this matter and will provide you with any documents necessary to assist you. 

Respectfully, XXXX XXXX

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