Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I am requesting that my credit reporting for XXXX, reported on XX/XX/XXXX be corrected to change the 'Current Payment Status '' from " In Collections/Charge-off '' to " Current ''. Additionally the " Remarks '' section needs to have " Payment after charge off/collection '' removed and " account closed at customer request '' added. <P/>In XX/XX/XXXX, I requested that my XXXX XXXX  account be closed as I was switching to XXXX XXXX. At that time my XXXX XXXX account ( XXXX ) was in good standing and paid in full for the entire month of XXXX ( {$260.00} ). The account was closed on XX/XX/XXXX and the equipment returned to XXXX. XXXX confirmed that the {$260.00} was paid in full in advance for XX/XX/XXXX and that there would be a small credit balance ( approx. {$40.00} on the account ). On XX/XX/XXXX XXXX issued the credit to the account for the period of XX/XX/XXXX-XX/XX/XXXX in the amount of {$42.00}. However, XXXX charged a {$200.00} early termination fee of which I was unaware. No such fee had been discussed nor notified of it when I called to arrange to cancel the service or when the equipment was returned. So I was unaware of nor expecting the {$200.00} charge. Instead, I was expecting a credit of approximately {$40.00}. If I had known about the early termination fee, I may not have switched to XXXX XXXX. Regardless, the account was closed in good standing on XX/XX/XXXX at my request. <P/>The balance of the {$200.00} service fee was paid in the amount of {$150.00} in XX/XX/XXXX. <P/>XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. The account was closed at the customer ( my ) request and was in good standing at the time of closure. I received no collection notices from XXXX that there was a balance due or that the account was not in good standing. I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. <P/>My credit score has been negatively affected with Transunion as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was closed at the customer request and paid in full at the time the account closure was requested. I had expected a credit on the account but did pay the balance of the early termination fee. There were never any collection activities. <P/>I wrote to XXXX requesting copies of any correspondence concerning collection activities, including past due notices. They have not provided them as I do not believe they exist. <P/>I am requesting that my credit reporting for XXXX, reported on XX/XX/XXXX be corrected to change the 'Current Payment Status '' from " In Collections/Charge-off '' to " Current ''. Additionally the " Remarks '' section needs to have " Payment after charge off/collection '' removed and " account closed at customer request '' added.

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