Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1 ) I am a credit card holder of XXXX XXXX XXXX XXXX ( XXXX ), with the account number xxxx-xxxx-xxxx-XXXX, changed to xxxx-xxxx-xxxx-XXXX  by XXXX in XXXX 2019. 
2 ) My XXXX credit card has a credit limit of {$1000.00}. 
3 ). At the XXXX statement fromXX/XX/2019, I made a payment of {$380.00}, and my new balance was {$620.00}. 
4 ) On XX/XX/2019, XXXX DELIVERED A NEW CARD TO ME DUE TO THEIR CREDIT CARD SYSTEM UPDATE ( S ), and my balance of {$620.00} from the account number xxxx-xxxx-xxxx-XXXX, WAS TRANSFERRED TO MY NEW CREDIT CARD # xxxx-xxxx-xxxx-XXXX. 
5 ) On XX/XX/2019, I made a payment toward my XXXX credit card in the amount {$300.00} ( the transaction reference XXXX ). 
6 ). However, in my statement from XX/XX/2019, XXXX ERRONEOUSLY and inaccurately made the following rude wrongdoings : a ) Posted my previous balance as {$0.00} b ) Posted MY PAYMENTS of {$300.00} twice, or two payments of the total amount of {$600.00}, while I made only one payment of {$300.00}. 
c ) Charged the interest on my previous balance {$0.00} or {$4.00} d ) Posted a New Balance of my credit card xxxx-xxxx-xxxx-XXXX as {$30.00} ( IN GENERAL : HOW COULD A BALANCE OF {$0.00} collect any interest??? ) 7 ). On XX/XX/2019, XXXX XXXX XXXX XXXX ( XXXX ) has issued a balance statement of {$900.00}, which had to be corrected IMMEDIATELY, NOT AFTER ALMOST FOUR AND A HALF ( 4.5 ) MONTHS LATER. 

******* THE XXXX XXXX XXXX XXXX ( XXXX ) ERRONEOUSLY and inaccurately made a wrongdoing, MESSING UP MY credit card 's BALANCE AND INCORPORATING THE ERRORS at MY STATEMENTS, WITHOUT NOTIFYING ME IN WRITTING as their CREDIT CARD HOLDER. 

8 ). I did not realized their wrongdoing until XX/XX/2019! 

9 ) .On XX/XX/2019, the XXXX issued a monthly statement with the previous balance of {$900.00}, my payment of {$20.00}, purchasing of {$81.00}, interest of {$15.00}, and OTHER DEBITS OF {$300.00}. 
My new Balance was brought AS HIGH AS {$1200.00}!!!!!! 

******I CONTIUNED TO MAKE PURCHASES WITH MY CREDIT CARD, while on vacation in XX/XX/2019, CONSIDERING that MY CREDIT CARD LIMIT was {$1000.00}. 

10 ). OnXX/XX/2019, XXXX CONTINUED TO MAINTAIN MY BALANCE AS HIGH AS {$1200.00}, with OVERLIMIT above my card limit of {$1000.00} 11 ) XXXX NEVER ADMITED a FAIL TO DISTINGUISH the XXXX two POSTINGS of my payments of {$300.00}, second mistaken by XXXX! 
12. ) XXXX NEVER SENT ME A LETTER OF ITS rude wrongdoing. THERE WILL BE A RECORD ON MY 3 CREDIT bureaus report for SEVEN ( 7 ) years. My credit score is NEGATIVELY IMPACTED BY the XXXX WRONGDOING ; my credit score failed from XXXX TO XXXX, or with 50 points less! 


13 ) Per the Fair Credit Billing Act ( FCBA ), when your bill has a mistake, the creditor must explain to you in writing the corrections that will ( e.g. were ) made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error, INCLUDING REPORTING the creditors ERROR TO THE 3 credit bureaus. 
14 ). I AM DESTRUCTIVELY IMPACTED BY the NEGLIGENT wrongdoing of the XXXX XXXX XXXX XXXX ( XXXX ). 
15 ). I filed a dispute with the XXXX XXXX XXXX XXXX ( XXXX ) in person. 
16 ). To this date, The XXXX XXXX XXXX XXXX ( XXXX ) remains silent and IGNORANT to admit that XXXX negatively has impacted my credit from GOOD to FAIR, as REPORTING THE XXXX WRONGDOING AS MY ERROR ON MY 3 CREDIT REPORTS. There is an enormous difference between Good credit and FAIR credit.

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