Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX refuses to change the credit report over XXXX dollars. When I called XXXX to pay this overdue XXXX dollars in XXXX, I was told when I called in XXXX that I did not owe XXXX Dollars and that my previous payment made the account current. Thus how can I be marked 30 days late on something I have tried multiple times to pay and resolve? XXXX insists on running my credit over XXXX dollars because they will not admit they made a mistake. Why would someone who has made every payment on time suddenly miss one month 's pay for {$37.00}? 
Furthermore, XXXX removed the 30-day late reporting when the first dispute was filed, suddenly changed it to 60 days, and then back to 30 days. I am so baffled ; I need someone to accept my {$37.00} or take this 30 days late off my report. You can not refuse to take my money and report me 30 days late ; this is not fraud or retaliation because of being disputed. Furthermore, I consider it harassment and discriminatory treatment. Why would you do something to affect someone's credit for seven years by marking a payment 30 days past due over {$37.00}? Furthermore, the late amount never showed on any statement and did not reflect an overdue amount. 
When I called in XXXX to pay over the phone, I instructed the representative to pay the amount to create the account current TO AVOID 30 DAYS LATE. The representative stated that the amount due was approximately {$110.00}. I spent this and thought the report had been made 30 DAYS PAST DUE. I'm XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX  ; why would you insist on damaging a young adult 's credit for seven years until they are XXXX XXXX XXXX, all for XXXX dollars? Common sense, why would someone make a payment and randomly not pay XXXX dollars of the due amount? Please do the right thing, remove it from the credit report, and let us proceed. Or please tell me why you feel it necessary to ruin a XXXX military dependent and XXXX  XXXX  who is a XXXX XXXX XXXX and worked many hours in XXXX on COVID units putting my own life at risk for the service of others. Now you want to ruin my credit over {$37.00} ; why? Perhaps this was a simple miscommunication, or the information was misunderstood. It happens, so let 's fix the issue and move along, please fix the problem, and I will be happy to pay the amount of the card off and close the account, and never do business with XXXX again. Or please provide me a reason as to why you are insistent on reporting {$37.00} overdue. As big of a bank and organization as XXXX saying someone for {$37.00} for being 30 days late seems a little excessive for a company that made $ XXXX in XXXX, so was {$37.00} going to make or break the bank? Please let me know why this {$37.00} issue was escalated to the office of the president of XXXX, and yet still there is the insistence on this being on my credit report as punishment. Come on... you are better than that ... I will be happy to place this issue in the Court of public opinion ; I would be interested to see what other individuals think about a billion-dollar company coming after a XXXX, military dependent, public servant and XXXX XXXX XXXX for XXXX dollars, of which, by the way, again when I call your representatives, they still tell me I don't owe anything that there is no {$37.00} to pay, and further that " there was no {$37.00} overdue in XX/XX/XXXX, which I was told by three different account manager.

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